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Financing 5–9 Unit Multifamily Properties in Georgia

by | Mar 10, 2026

Financing 5–9 Unit Multifamily Properties in Georgia

Properties with five to nine residential units are considered small multifamily properties and are typically financed using commercial or investor-focused loan programs.

Rockstar Mortgage has been helping real estate investors across Georgia since 2002 and has earned the Best of Gwinnett Mortgage Company award for more than 13 years.

Common Financing Options

  • DSCR loans based on rental income
  • Small balance commercial loans
  • Portfolio lender financing

Typical Underwriting Considerations

  • Property cash flow
  • Rent roll and leases
  • Investor experience
  • Loan to value ratio

Example Multifamily Scenario

Item Example
Number of Units 6
Total Monthly Rent $9,000
Mortgage Payment $6,500
DSCR 1.38
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