Duplex Financing

Loan to Buy Duplex with Rental Income

Secure duplex financing using current or projected rental income. Designed for buying two units attached to each other, specifically for real estate investors.

Competitive interest rates
30 year fixed-rates
Flexible approval guidelines
Simple loan process

Get up to 80% LTV using projected rental income.

Loan Requirements for Duplex Financing

Flexible loan requirements to buy two attached units.

Eligible Property Types

2 attached units.

Minimum Credit Score

680+

Loan Amount

$100k to $2.5M

Minimum DSCR

1.0 DSCR

Required Documentation

Signed Purchase Agreement
Driver’s License or State ID
Articles of Organization
Operating Agreement
EIN Letter

Minimum Down Payment

Minimum 20% down payment.

Landlord Experience

No experience is required, however experienced investors are granted more flexibility for projected rental income.

See How Much You Qualify For

(813) 303-0808

Flexible Loan Terms

Maximize your returns with competitive rates, industry-leading high leverage and flexible loan terms.

Minimum Credit Score	680+
Loan Amount	$100k to $2.5M
Purchase/Refinance	Up to 80% LTV
Cash Out	Up to 75% LTV
Interest Rates	Starting at 7%
Minimum DSCR	1.0x
Closing Time	21-30 days

Request a Loan Quote

Secure up to 80% financing
See how much you qualify for
Get pre-approved within 24 hrs

FAQs About Financing a Duplex

What’s the minimum down payment?

The minimum down payment is 20% when financing a duplex.

What’s the maximum LTV?

80% LTV when buying or refinancing with rate-and-term duplex loans.

What’s the max cash-out refinance loan amount?

Up to 75% LTV.

What loan options are available?

30-year fixed-rate mortgage
7/1 ARM
5/1 ARM
Interest only

Can closing costs be financed into the loan when refinancing?

Yes, you can roll closing costs into the loan if you’re within the maximum leverage limits.

Are short term rentals accepted?

Yes, you can qualify using up to 100% of AirDNA projections from rental income on Airbnb and VRBO.

What’s the minimum credit score?

680 is the minimum credit score.

Do you work with first-time investors?

Yes

Is there a minimum DSCR required?

The minimum DSCR requirement is 1.0x

How do you calculate DSCR?

Divide rental income by the sum of property taxes, insurance, principal and interest payments. Use our DSCR calculator.

What determines my interest rate?

Interest rates vary depending on your credit score, loan to value and real estate market risk.

Get Proof of Funds Today