ALG Multifamily Advantage™

California DSCR Loans for 5+ Unit Multifamily Rental Properties

Flexible Multifamily Investment Property Financing — Arranged by Accelerated Lending Group

Traditional banks aren't always built for the way real estate investors operate. Between lengthy approval processes, strict personal income requirements, and rigid underwriting guidelines, securing financing for a multifamily investment property can become unnecessarily complicated.

ALG Multifamily Advantage™ helps California real estate investors explore alternative financing solutions for multifamily properties with five or more residential units.

Whether you're purchasing an apartment building, refinancing an existing multifamily property, accessing equity for another investment, or repositioning a rental portfolio, Accelerated Lending Group works with participating lending partners to identify financing solutions aligned with your property's value, rental income, and investment strategy.

California Statewide | 5+ Unit Properties | Non-Owner Occupied | Business-Purpose Financing

Multifamily Financing Designed Around Your Investment Strategy

When Traditional Financing Doesn't Fit, Explore a Different Approach

You've identified a promising multifamily investment opportunity.

The property has value. The rental income supports your investment strategy. You have a clear business plan.

But traditional lenders may require extensive tax returns, personal income verification, lengthy underwriting reviews, or financing structures that don't align with your timeline.

That creates a gap between the financing you need and the financing conventional institutions are willing to provide.

ALG Multifamily Advantage™ helps bridge that gap.

Through participating private-money and alternative lending partners, we arrange financing solutions that may emphasize:

• The property's current as-is appraised value.
• Existing rental income or supported market rents.
• Debt Service Coverage Ratio (DSCR).
• Available equity and loan-to-value ratio.
• Property condition and marketability.
• Your intended investment strategy and exit plan.
• The overall risk profile of the transaction.

Rather than relying exclusively on traditional personal-income qualification, eligible financing programs may evaluate the property's ability to support the proposed loan.

The objective is straightforward: find a financing structure that makes sense for your investment property and business goals.

Why California Multifamily Investors Choose ALG Multifamily Advantage™

Property-Focused Qualification

Eligible DSCR programs may evaluate the property's rental income and appraised value rather than requiring traditional personal-income qualification.

No Traditional Tax Returns Required on Eligible Programs

Certain participating lending partners offer financing options without personal tax returns or conventional employment-income documentation for qualification.

Flexible Credit Considerations

Some programs have no established minimum FICO requirement. Credit challenges, recent bankruptcies, foreclosures, and mortgage payment history may be reviewed individually.

Interest-Only Financing Options

Select programs offer interest-only structures that may help investors manage monthly debt service during acquisition, renovation, stabilization, or repositioning.

Financing for Vacant or Underperforming Properties

Properties with vacancies may qualify using appraiser-supported market rents, subject to lender review.

LLC and Corporate Ownership

Financing may be available for investment properties vested in eligible limited liability companies or corporations.

Portfolio and Cross-Collateralization Options

Qualified investors may be able to finance multiple investment properties through one cross-collateralized loan.

Business-Purpose Cash-Out Refinancing

Access available equity in eligible multifamily properties for qualified business or investment purposes.

All features are subject to individual lender guidelines, underwriting, property eligibility, and final approval.

ALG Multifamily Advantage™ Financing Options

1. Multifamily Property Purchase Loans

Acquire California apartment buildings and multifamily rental properties with five or more units.

Whether you're purchasing your first apartment building or expanding an established investment portfolio, ALG can help identify financing options designed for multifamily acquisitions.

Illustrative participating-lender guidelines:

• Loan amounts: $100,000–$2,000,000.
• Loan-to-value: Up to 70%, case-by-case.
• Non-owner-occupied properties.
• Business-purpose transactions.
• Seller contributions may be considered.
• Gift funds or gift of equity may be considered, with applicable LTV adjustments.
• Property value, rental performance, and investment strategy reviewed.

2. Multifamily Rate-and-Term Refinance

Replace an existing mortgage with financing better aligned to your investment strategy.

Investors may consider refinancing to restructure existing debt, address an upcoming maturity, or obtain a different loan structure.

Illustrative participating-lender guidelines:

• Loan amounts: $100,000–$2,000,000.
• Loan-to-value: Up to approximately 60%–65%, case-by-case.
• Available for eligible 5+ unit multifamily properties.
• Property-focused qualification options.
• Interest-only structures may be available.

3. Multifamily Cash-Out Refinance

Put available investment-property equity to work.

A business-purpose cash-out refinance may provide capital for additional property acquisitions, qualifying improvements, business expansion, or other eligible investment-related purposes.

Illustrative participating-lender guidelines:

• Loan amounts: $100,000–$2,000,000.
• Loan-to-value: Up to 60%, case-by-case.
• Equity determined through an acceptable appraisal.
• Rental income and property performance reviewed.
• Cash-out proceeds must be used for eligible business purposes.

Important: Cash-out proceeds under these business-purpose programs cannot be used for personal, family, or household expenses.

Flexible Multifamily Loan Structures

Different investments require different financing strategies.

A property being stabilized after acquisition may have different financing needs than an established apartment building generating consistent rental income.

Through participating lending partners, ALG may arrange the following structures:

Interest-only financing can reduce scheduled principal payments during the interest-only period, but principal remains outstanding. Balloon loans require repayment of the remaining balance at maturity.

Available terms, rates, impounds, fees, and prepayment provisions depend on the participating lender and transaction.

Understanding DSCR Financing for Multifamily Properties

What Is a Debt Service Coverage Ratio?

DSCR measures how rental income compares with the debt payments associated with an investment property.

For certain ALG-arranged private-money programs, a simplified qualification calculation uses:

DSCR = Monthly Gross Rental Income ÷ Monthly PITI

PITI represents principal, interest, property taxes, and insurance.

Example: Multifamily Rental Property

Assume a California apartment building generates:

• Monthly gross rental income: $12,000.
• Monthly principal, interest, taxes, and insurance: $10,000.

DSCR = $12,000 ÷ $10,000 = 1.20

Under this simplified calculation, the property's gross rental income is 120% of the proposed monthly housing payment.

Certain participating programs prefer a DSCR of at least 1.00, while properties below that level may be considered individually.

Important: This is an illustrative program-specific calculation. Other multifamily lenders may calculate DSCR using net operating income divided by annual debt service, including adjustments for operating expenses, vacancies, and reserves. The applicable methodology depends on the lender.

Can You Qualify With Vacant Multifamily Units?

Potentially, yes.

A multifamily investment property doesn't necessarily need to be fully occupied to qualify for every available financing program.

Certain participating lending partners may consider appraiser-supported market rents when evaluating properties with vacant units.

For example, an investor purchasing a 6-unit apartment building with two vacant units may be able to use supported market-rent estimates as part of the underwriting analysis.

Qualification depends on the property's condition, rental market, occupancy, available equity, and the lender's guidelines.

Multifamily Portfolio Financing and Cross-Collateralization

One Financing Structure for Multiple Investment Properties

Investors with multiple rental properties may benefit from exploring cross-collateralized financing.

Rather than arranging separate loans against individual properties, a participating lender may consider one loan secured by multiple eligible investment properties.

Potential benefits include:

• One coordinated financing transaction.
• A consolidated payment structure.
• The ability to evaluate combined property equity.
• Potential flexibility when individual properties have different rental performance.
• Financing aligned with a broader investment strategy.

Cross-collateralization also creates additional risk because multiple properties secure the same obligation. Releasing or selling an individual property may require lender approval and partial loan repayment.

Availability is case-by-case and subject to lender approval.

Who May Benefit From ALG Multifamily Advantage™?

ALG Multifamily Advantage™ is designed for California investors exploring financing for:

• Apartment buildings with five or more residential units.
• Multifamily property acquisitions.
• Existing rental-property refinancing.
• Business-purpose equity extraction.
• Vacant or partially occupied rental buildings.
• Property stabilization and repositioning.
• BRRRR investment strategies.
• Portfolio consolidation.
• LLC- or corporation-owned investment properties.
• Properties with unconventional financing requirements.

Self-employed investors, first-time multifamily investors, and eligible ITIN borrowers may also be considered by select participating lending partners.

Financing is for eligible non-owner-occupied, business-purpose investment properties only.

How the ALG Multifamily Advantage™ Process Works

Step 1 — Tell Us About Your Multifamily Property

Share the property address, number of units, approximate market value, rental income, existing financing, and requested loan amount.

If you're purchasing, include the proposed purchase price and expected closing timeline.

Step 2 — We Review Your Investment Scenario

Accelerated Lending Group evaluates your financing objectives, estimated equity, rental performance, and proposed transaction.

We identify potential financing options through participating lending partners.

Step 3 — Review Available Loan Structures

We discuss potential loan amounts, terms, estimated payments, documentation requirements, and the proposed financing strategy.

Preliminary terms are subject to lender confirmation.

Step 4 — Appraisal and Underwriting

The participating lender reviews the property's acceptable appraised value, rental income, marketability, condition, borrower profile, and applicable underwriting requirements.

Step 5 — Approval and Closing

Once underwriting conditions are satisfied and final loan documents are completed, the participating lender funds the approved transaction.

ALG coordinates the financing process and helps keep you informed from initial scenario review through closing.

What Documentation May Be Required?

Documentation varies by lender and transaction, but may include:

Property Information

• Property address and unit count.
• Current rent roll and available lease agreements.
• Purchase agreement, if applicable.
• Existing mortgage statement for refinances.
• Property insurance information.
• Appraisal or valuation documentation.
• Property list for portfolio financing.

Borrower Information

• Completed loan application.
• Government-issued identification.
• Credit report or credit authorization.
• Entity documents, if applicable.
• Explanation of business purpose for applicable cash-out transactions.

For properties owned through an LLC, corporation, or trust, additional organizational and authorized-signer documentation may be required.

Sensitive personal and financial documents should be submitted through an approved secure process.

California Multifamily Financing — Statewide

Accelerated Lending Group serves eligible multifamily investors throughout California.

Whether your property is located in Bakersfield, Fresno, Los Angeles, Sacramento, San Diego, the Central Valley, or another California market, ALG can help evaluate financing options through participating lenders.

Local Knowledge. Statewide Financing Solutions.

Based in Bakersfield, Accelerated Lending Group combines California real estate financing experience with access to alternative lending solutions for investors whose transactions may not fit traditional bank guidelines.

We understand that multifamily investors evaluate financing differently from owner-occupied homebuyers.

Property performance, available equity, acquisition timing, cash flow, and exit strategy all matter.

Our role is to help you evaluate those considerations and identify financing options appropriate for your transaction.

Frequently Asked Questions About California Multifamily DSCR Loans

Important Financing and Licensing Disclosures

ALG Multifamily Advantage™ is a branded financing solution offered through Accelerated Lending Group. Financing is arranged through participating third-party lending partners. Accelerated Lending Group is not represented as the direct funding lender for these transactions.

Programs described are intended for eligible California non-owner-occupied, business-purpose investment properties. They are not intended for consumer-purpose or primary-residence financing.

All loans are subject to participating lender guidelines, underwriting, acceptable appraisal, property condition, marketability, borrower eligibility, applicable laws, and final lender approval.

Loan amounts, maximum LTV, interest rates, repayment structures, reserve requirements, credit criteria, documentation, and program availability may change without notice. Illustrative terms are not guaranteed offers or commitments to lend.

Interest-only loans do not reduce principal during the interest-only period. Balloon-payment loans require repayment of the remaining principal balance at maturity. Refinancing or selling the property before maturity is not guaranteed.