DuplexMulti-Family Mortgage Specialists
Your duplex math is different.
We calculate it differently.
Drag the slider. See how 75% rental income offset turns a 52% DTI into a pre-approval.
$340M+
Multi-family loans closed
847
House-hackers funded
38 days
Average close time
NMLS #2049381
Licensed in 32 states
The Formula That Changes Everything
You were evaluated by the wrong formula.
Every multi-family loan has rules that conventional lenders ignore — or don't know. Here's what changes when you work with a specialist.
75%
of projected rent counted toward income
FHA & conventional multi-family
11%
average DTI reduction with rental offset
Across our 2024 closings
3.5%
minimum down for owner-occupied 2–4 unit
FHA duplex purchase
Loan Products
One product does not
fit all multi-family deals.
Rates as of Feb 2026. APR varies by credit profile, LTV, and property type.
scroll to see all products →
Closed Deals
The math worked.
Here's the proof.
52% → 41%
DTI after rental offset
"Every bank I talked to saw my DTI and said no. Duplex ran the rental offset and I was at 41% — below the threshold. Closed in 38 days with 3.5% down."
Marcus T.
First-time buyer · Denver duplex · FHA 3.5%
$1.2M
Loan closed on portfolio product
"I had three single-family rentals and wanted a fourplex but couldn't qualify conventionally with my LLC income. The portfolio product solved it — no Fannie overlays."
Sandra K.
Landlord scaling up · Chicago fourplex · Portfolio loan
1.28x
DSCR ratio at closing
"I'm based in Austin and bought a triplex in Cleveland sight-unseen. The DSCR product qualified me on the property's cash flow, not my W-2. No one else offered that."
Darnell W.
Out-of-state investor · Cleveland triplex · DSCR
One clear number
Stop guessing.
Start with your number.
Five questions. Two minutes. A personalized qualifying range and recommended loan product — before you talk to anyone.
No credit pull. No obligation. Results in under 2 minutes.