DSCRDealsMatch My Deal
Flexible Multifamily DSCR

Ziffy Mortgage

Domestic investor DSCR financing with strong 2–10 unit multifamily coverage

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Affiliate disclosure: Ziffy Mortgage is a DSCRDeals referral partner. DSCRDeals may receive compensation if you use our tracked link and your loan closes.

Min. DSCR1.0x+ for best terms; No-Ratio DSCR available
Max LTVUp to 80%
Min. Credit620+ FICO
Loan Amounts$75k – $10M
ClosingTypical 15–30 days
Program snapshot

What stands out

  • 620 minimum FICO with up to 80% LTV
  • No-Ratio DSCR option; 1.0x+ for best terms
  • $75k–$10M with six months reserves
  • 2–10 units plus STR, first-time investor, vacant, rural and LLC/entity scenarios
2–4 Units5–10 UnitsMultifamilyShort-Term Rentals (STR)
Fit

Best for

  • Domestic rental investors
  • 2–10 unit multifamily
  • Lower-credit investors
  • Short-term rentals
  • First-time investors

Watch for

  • No-Ratio is a separate option; do not treat the program as a numeric 0.00 minimum DSCR.
  • Properties above 10 units and commercial properties are handled through the commercial arm.
Loan Terms & Transparency

How this loan is actually underwritten

DSCR positioning1.0x+ for best terms; No-Ratio available

No-Ratio is kept separate from the numeric minimum so the matcher does not treat 0.00x as a universal hard floor.

Reserves / escrow6 months

Confirmed in partner-supplied program details.

Property eligibility2–10 unit multifamily

STR, first-time investor, vacant, rural and LLC/entity scenarios are allowed; 10+ units/commercial route to the commercial arm.

Geography48 states

Program-specific state restrictions may still apply.

Appraisal / feesVerify current quote

The supplied program sheet does not provide a complete appraisal-ordering or fee schedule.

Closing15–30 days

Partner-supplied program detail; actual timing varies by file.

DSCRDeals take

A domestic-investor DSCR program with 620+ FICO, up to 80% LTV, $75k–$10M loans and unusually broad 2–10 unit multifamily eligibility.

Data last verified: 2026-08-24. Ziffy Mortgage partner-supplied DSCR program details.

Important: DSCRDeals is an informational and matching service, not a lender or a commitment to lend. Rates, guidelines, eligibility and program availability can change and vary by borrower, property, state and market. Verify current terms directly with the lender. Some links may be affiliate/referral links; DSCRDeals may receive compensation if you apply or close through a partner link.