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IQ Capital Mortgage

The Smarter Way to Finance 5–10 Unit Multifamily — Nationwide

Most lenders push 5–10 unit properties into commercial underwriting.
Slow. Expensive. Rigid.

We don’t.
We keep them in the residential Non-QM lane
where leverage, pricing, and speed actually work
for investors.

Talk to a Loan Strategist

Why This Program Outperforms Commercial Loans

Commercial lenders treat 5–10 unit deals like office buildings.
We treat them like income-producing rentals.

Residential Non-QM
Underwriting

Cleaner Conditions. Faster Decisions. Predictable Closings.
DSCR
Requirement: 1.10

Most Lenders Demand 1.25–1.30+. This program moves at 1.10 DSCR, giving you room to qualify deals others can’t touch.
Uses 120% Of Actual Rent
With Supporting Market Rents

If the rents are lower than market, you’re not punished for it.
We use actual rents × 120% when supported by market comps, creating higher qualifying income and better DSCR performance

This is a massive advantage for value-add, under-market rent, or reposition opportunities.

Verified Program Terms

(Publicly Available)

Core Program Terms

$250K–$3M loan amounts
Up to 75% LTV Purchase
70% Rate-Term | 65% Cash-Out
No cap on cash-out
40-year Interest-Only option
680+ FICO
1 vacancy allowed on RT/CO
One 71A appraisal accepted (lower borrower cost)
Broker + Realtor fees financed
Reserves: 6mo (≤ $1.5M) / 12mo (> $1.5M)

Why Investors Are Choosing This

Nationwide

Why Investors Are Choosing This Nationwide

Speed

No Commercial Drags. No Committee Delays.
Flexibility

1.10 DSCR + 120% Rent Rule Opens Up Deals That Wouldn’t Qualify Anywhere Else.
Better Pricing

Non-QM Pricing Routinely Beats Commercial Bank Rates.
Predictability

No Last-Minute Underwriting Surprises.
Control

Your Deal Stays On Your Timeline, Not A Bank’s.

For investors serious about scaling 5–10 unit multifamily portfolios,
this is the strongest loan structure available.

Who This Program Fits

Perfect for:

Multi-Unit Investors Expanding Past 1–4 Units
Value-Add / Under-Market Rent Plays
Reposition And Stabilization Deals
Buy-And-Hold Investors Scaling Nationwide
Investors Needing Reliable, Fast Execution

If the deal has income and upside, this program gives you the leverage to move.

Why Work With IQ Capital Group

We specialize in investor focused financing with nationwide reach.

Your benefits:

Clear Guidance
Clean Execution
Fast Decisions
Strong Investor-Focused Structuring
Consistent Communication

You bring the deal.
We bring the financing that makes it pencil.

Other Investor Loan Options (Nationwide)

If this program isn’t the match, we fund nearly every business-purpose investment strategy:

Fix & Flip / Rehab Loans

Acquisition + rehab funding for value-add projects.

DSCR Loans (1–4 Units)

Income-based rental loans without tax return requirements.

Bridge Loans

Fast, flexible capital for transitional deals.

New Construction

Ground-up financing with clear draw schedules.

Bank Statement Loans

Qualify using 12–24 months of deposits.

Asset-Based / No-Income Loans

Collateral and liquidity-based qualification.

Investment HELOC / ARV-Based Lines

Use rental equity to fund new deals.
If it’s business-purpose investment real estate, we can structure it.

How Funding Works

Simple, investor-focused steps from first conversation to execution.

Step 1 — Submit the Deal

Address, numbers, and your plan.

Step 2 — We Underwrite

Fast DSCR evaluation, including 120% rent uplift when supported by market comps.

Step 3 — Approval & Funding

Clean terms. Predictable timeline.

Step 4 — Execute Your Strategy

Stabilize, refinance, or hold — and repeat.

FAQ's

Yes — this program is fully Non-QM residential.

Yes — when supported by market rental comps. This is a major qualifying advantage.

Must own 2+ units, but no commercial background required.

Yes — one vacancy allowed on RT/CO.

Yes — publicly listed.

Yes — broad nationwide footprint.

Mortgage Calculator

Final Step For 5–10 Unit Investors

If you’re buying or refinancing 5–10 unit multifamily, this is your edge.

Lower DSCR. Higher qualifying income. Faster execution.

A smarter alternative to commercial financing.