Multifamily Investment Property Loans: Duplex, Triplex and Fourplex

Financing Multifamily Investment Property Loans: Duplex, Triplex and Fourplex

Two to four unit investment properties, including duplexes, triplexes, and fourplexes, offer investors the best of both worlds: residential financing availability with multi-unit rental income. Whether you are buying a duplex to house hack, acquiring a fourplex for your rental portfolio, or flipping a 2-4 unit property, Surge Financial advises on financing options across the full strategy spectrum.

DSCR Loans

DSCR loans are fully available for 2–4 unit investment properties. Qualify on the combined rental income of all units. No personal income verification.

Hard Money Loans

Acquire and renovate 2–4 unit properties using asset-based hard money financing. Close in as little as 5–10 days.

Bridge Loans

Short-term bridge financing to acquire a 2–4 unit property, stabilize it with tenants, then refinance into DSCR.

Non-QM Loans

Permanent financing for 2–4 unit investment properties using bank statement or alternative income qualification.

Why Investors Choose Surge Financial

No upfront fees. Asset-based lending options. A specialist who moves at the speed real estate requires.

Typical Loan Parameters

General guidelines for Multifamily Investment Property Loans: Duplex, Triplex and Fourplex financing. Every deal is evaluated on its own merits. Contact us to discuss your specific situation.

Who This Is For

House hackers who want to buy a duplex, triplex, or fourplex and live in one unit

This is one of the most effective wealth-building strategies for first-time investors and is eligible for DSCR financing once you move out.

Buy and hold investors adding 2 to 4 unit properties to a rental portfolio

DSCR loans qualify on the combined rental income of all units with no personal income verification required and no cap on the number of properties you can finance.

Fix and flip investors targeting distressed small multifamily properties

Hard money programs fund both the acquisition and full renovation on 2 to 4 unit properties with closings as fast as 5 to 10 business days and no minimum credit score on most programs.

BRRRR investors who want to renovate a 2 to 4 unit property and hold it as a rental

Acquire and renovate with hard money, stabilize with tenants, then refinance into a 30-year DSCR loan and pull your equity back out to fund the next deal.

Self-employed investors who qualify better on rental income than personal income

Multifamily DSCR programs use the combined rental income of all units as the qualifying figure, making them ideal for business owners with complex tax situations.

Portfolio investors who want residential financing terms on a multi-unit asset

Two to four unit properties qualify for residential loan programs with higher LTV and lower rates than commercial multifamily financing, while still generating multi-unit rental income.