Property type
Small multifamily beyond four units.
Properties with five or more units are generally financed as commercial multifamily, so the rules and the professionals change.
What changes at five units
Residential lending typically covers one to four units. Five or more units are typically underwritten on the property's income, often with different lenders and terms.
Confirm the specifics with a qualified lender.
- Different financing path
- Income-based valuation
- Property management matters more
- More diligence on leases and expenses
Financing and occupancy rules for small multifamily vary by lender, program, state and property. Confirm with a licensed lender and your own advisors. Nothing here is lending, tax or legal advice.
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Source: usamultiplexes.com · usamultiplexes-network-interest · /small-multifamily/ · multiplex-small