Multi Family 2-4 Unit Loans Built for Real Estate Investors
Qualify with rental income. No tax returns. No income ratio.
LTC
80%
RATE
6.25%
CLOSING
10 to 21 Days
TERMS
30 Yr or Interest Only
$100K - $4M
LOAN AMOUNTS
Apply Now
What Is A Multi Family 2-4 Unit Loan?
A Multi-Family 2–4 Unit Loan is designed for investors purchasing or refinancing small residential income properties with two to four units.
This program allows you to scale beyond single-family rentals while maintaining flexible qualification standards built around property performance.
If the property generates consistent rental income, you can qualify. This makes 2–4 unit financing ideal for:
- Investors expanding beyond SFR
- Duplex, Triplex, and Fourplex acquisitions
- House-hack investors (non-owner occupied options available)
- Portfolio diversification strategies
- Long-term buy-and-hold investors
At Asteris Lending, we focus on rental income strength and asset value — not traditional employment documentation.
Built for Scalable Cash Flow
Income-Based Qualification
Approval structured around rental performance and DSCR metrics.
Long-Term Stability Ideal for investors seeking predictable monthly cash flow.
Higher Income Potential Multiple units mean diversified income streams under one property.
Long-Term Stability Ideal for investors seeking predictable monthly cash flow.
Higher Income Potential Multiple units mean diversified income streams under one property.
Are We a Good Fit?
Our Multi Family 2-4 Unit loans are structured to be straightforward and investor-friendly.
Minimum Credit Score
700Reserves
6 Months
Property Types
Duplex, Triplex, Quadplex, 2–4 Units
Seasoning
6 Months On Refinance
Prepayment Penalty
OptionalDown Payment
20% minimum
Experience
1+ Completed Properties
Occupancy
Non-Owner-Occupied
Loan Amount
$100K minimum
Up to $4M maximum
Appraisal
RequiredHow It
Works
Submit Property & Scenario
Provide basic details on the subject property and projected rental income.
Receive Terms
We structure your loan based on DSCR performance and credit profile.
Close & Fund
Appraisal completed. Loan documents signed. Capital deployed.
Why Investors Choose
Asteris Lending
This is financing built for operators, not hobbyists.
- First-time investor friendly
- Qualify using rental income
- No personal income verification
- Competitive 5.5% starting rates*
- Up to 80% LTV
- Loan amounts up to $5M
- Interest-only options available
- Blanket loans available
- Reliable 10–21 day closing timeline
Product Type
Multi Family 2-4 Unit
Experience Required:
1+ Completed Properties
Minimum Credit Score:
700
Liquidity:
20% Down
Reserves:
6 Months
Prepayment Penalty:
Optional
Closing Timeline:
10 to 21 Days
Draw Schedule:
N/A
Rate:
6.25%
Loan-to-Value LTV:
80%
Loan-to-Cost (LTC):
N/A
Loan Term:
30 Yr or Interest Only
Asset Types:
Duplex, Triplex, Quadplex, 2–4 Units
Loan Amount Min:
$100k
Loan Amount Max:
$4M
Product Specifics:
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option, Non Rural
Number of Units:
2 to 4 Units
States We
Lend In
Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.
Give us a call to see what we can do for you.
Frequently Asked Questions
Can I qualify as a first-time investor?
Yes. Prior rental experience is not required.
Do I need to provide tax returns?
No. Qualification is based on the property’s rental income.
Can I refinance an existing rental?
Yes. A 6-month seasoning requirement applies.
Are short-term rentals eligible?
Eligibility depends on documentation and property profile.
Is there a prepayment penalty?
Optional structures are available.
Grow Your Rental Portfolio
with Asteris Lending
Access up to 80% LTV with competitive rates and investor-driven underwriting.
Submit your DSCR scenario today and receive terms tailored to your property.