Invest in Multi-Family Properties
Multi-Family 2-4 Unit
Unlock tailored financing solutions for your 2 to 4-unit investment properties. Our investor-focused approach delivers flexible DSCR terms and quick approvals to help you acquire or refinance with confidence. Complete the form below, and our lending experts will reach out to discuss your project and next steps.
UP TO
80%
LTV
10-22
DAY CLOSE
30, 40yr
I/O OPTION
$100K up to $5M
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Fix & Flip
Why Choose Our Multi-Family 2-4 Unit Loans?
We provide specialized lending solutions for investors growing portfolios with small multi-family properties. Designed for professionals focused on rental income and value-add opportunities, our loans combine flexible structures, competitive terms, and a streamlined approval process. Our investor-first approach ensures reliable, hassle-free financing to help you maximize returns while expanding your holdings.
DSCR Calculator
Debt Service Coverage Ratio (DSCR) is Gross Rental Income ÷ Total Payment (P&I + insurance + taxes + HOA).
Tailored For Real Estate Investors
Are We A Good Fit?
Our Multi-Family loans, structured as DSCR products, provide flexible financing for investors looking to acquire or refinance 2 to 4-unit residential properties. To qualify, you’ll need:
Experience
First time home buyer allowed
Credit Score
Minimum of 680
Liquidity/Reserves
20% down payment with 1–3 months of reserves.
Property Type
SFR, Condo, Townhome, 2–4 Units
Additional Requirements
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option, Rural Allowed
Get Started
Apply Now
Begin your Journey today!
Key Loan Terms for Real Estate Investors
Multi-Family Loan Highlights
Transparent and Investor-Focused Loan Terms
Product Type
Multi-Family 2-4 Unit
Experience Required:
First time home buyer allowed
Minimum Credit Score:
680
Liquidity:
20% Down
Reserves:
1-3 mo. Reserves
Prepayment Penalty:
Optional
Closing Timeline:
10-22 Days
Draw Schedule:
N/A
Loan-to-Value LTV:
80%
Loan-to-Cost (LTC):
N/A
Loan Term:
30, 40 Yr or Interest Only
Asset Types:
SFR, Condo, Townhome, 2–4 Units
Loan Amount Min:
$100k
Loan Amount Max:
$5M
Product Specifics:
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option, Rural Allowed
Number of Units:
2 to 4 Units
Your Trusted Partner in Real Estate Lending
Accessible Entry:
First-time home buyers can qualify with no prior experience.
Flexible Financing:
Choose from 30, 40-year, or interest-only loan terms.
Rural Ready:
Eligible for rural properties with no seasoning required.
Quick Closings:
Get approved and funded in as little as 10 to 22 days.
Where We Lend
States We Lend In
Looking for financing in a state not listed? We lend in additional states on a case-by-case basis. Contact us to discuss your deal and available options.
Meet The Leader
Fast. Flexible. Funded.
Investa Funding was built from firsthand experience, not theory. As a South Florida real estate investor, I’ve been on both sides of the table: evaluating deals, moving under tight timelines, and dealing with lenders who couldn’t execute when it mattered most.
That experience shaped a clear philosophy: investor financing should be fast, direct, and built around the asset, not unnecessary red tape. This platform was created to deliver reliable hard money and short-term capital for acquisitions, renovations, and bridge scenarios, with a focus on speed, clarity, and execution.
This isn’t transactional lending. It’s a long-term, investor-first approach built by someone who understands the market, the risks, and the importance of getting deals done right.
Fast closings. Minimal red tape. Maximum results.
I’ve worked with multiple lenders over the years, and this was by far the smoothest process. Clear communication, no surprises, and they moved quickly when timing mattered. Highly recommend for serious investors.
Traditional banks couldn’t make sense of my rental income. These guys actually understand investors. They closed my DSCR loan fast, no headaches, and the terms were exactly what they promised. I’m already lining up my next deal.
I felt confident from the first call. They explained the numbers clearly, respected my time, and delivered exactly what they said they would. If you’re investing in real estate, this is the kind of lender you want on your side.
