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Florida Property Type · Multi-Family

Multi-Family Mortgage in Florida

Five or more units means commercial or DSCR financing, qualified on the building's income.

5+
Units
Commercial / DSCR
Loan Type
20%–30%
Down
Cash-flow driven
Florida
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Get Pre-Approved in Multi-Family
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Multi-Family · Florida

Multi-Family Mortgage From a Florida Mortgage Broker

A multi-family property of five or more units crosses into commercial financing. Approval shifts away from your personal income and onto the building's net operating income and its ability to cover the debt.

These loans use DSCR (debt-service-coverage ratio) or commercial underwriting: the lender wants the property's income to exceed its mortgage payment by a comfortable margin. Down payments run 20% to 30%, terms are often shorter, and reserves matter. Your credit still counts, but the property's rent roll and expenses drive the decision.

We shop DSCR and commercial lenders for Florida multi-family, structuring the loan so the building's cash flow carries the approval and the down payment fits your capital.

Multi-Family at a Glance

✓Five or more units is commercial, not residential.
✓Qualified on the property's net operating income.
✓Down payments typically 20%–30%.
✓DSCR loans avoid personal income documentation.

Go deeper on financing a multi-family: Multi-Family Loan Requirements · How to Finance a Multi-Family · FHA Multi-Family Loan · Conventional Multi-Family Loan · DSCR Multi-Family Loan.

Multi-Family Snapshot
Units5+
Loan TypeCommercial / DSCR
Down20%–30%
FloridaCash-flow driven
How It Works
01
Apply Online
5 min · soft credit pull only
02
Match Loan
We shop lenders for the property
03
Processing
Our team handles paperwork
04
Close
Typically 14–21 days
FAQ

Multi-Family Questions

How do I finance a 5+ unit apartment building?

With a commercial or DSCR loan qualified on the building's income rather than your salary. Expect 20% to 30% down and a focus on net operating income and debt coverage. We shop DSCR and commercial lenders for Florida multi-family.

What DSCR do lenders want on multi-family?

Most want a debt-service-coverage ratio of at least 1.20–1.25, meaning the property earns 20%-25% more than its mortgage payment. A higher ratio improves your rate. We structure the deal to hit the target.

Keep Going
Multi-Family Loan RequirementsHow to Finance a Multi-FamilyFHA Multi-Family LoanConventional Multi-Family LoanDSCR Multi-Family LoanAll Property TypesApply for Pre-Approval

Financing a Multi-Family?

A licensed Florida mortgage broker who matches the loan to the property — 5-minute pre-approval, honest numbers.

(561) 300-0380

Figures are illustrative only and vary by property, credit score, loan amount, income, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.