Flexible Financing for Real Estate Investors – 2025

If you’re an investor in Florida eyeing 5–9 unit residential buildings—or even mixed-use spaces—this is your moment. The Flex NQM DSCR Multi-Unit loan program from Rize Mortgage is designed to keep things simple: No income verification, DSCR-based approval, and loan amounts up to $2.5 million at 75% LTV.

Even better? Short-term rentals like Airbnb and Vrbo are eligible. Yep—your cash flow from those vacation properties can work in your favor.

Program Highlights

• ✅ 15 YR / 30 YR / 30 YR Interest Only options
• ✅ Max LTV: 75%
• ✅ Max Loan: $2,500,000
• ✅ Min Loan: $400,000
• ✅ Minimum FICO Score: 680
• ✅ Purchase, Rate & Term, or Cash-Out Refinance
• ✅ Investment Property Only

Occupancy Structure Requirements:

• 5–9 Unit Residential Allowed
• 2–3 Units: Max 1 Commercial Unit
• 4–5 Units: Max 2 Commercial Units
• 5–6–8 Units: Max 3 Commercial Units
• Commercial space must be ≤49% of total building
• Short-Term Rentals approved

This is perfect for those building a portfolio, refinancing an income property, or pivoting to short-term rentals.

📞 Talk to Ramon Plasencia

25+ years of lending experience
Cell: 305.968.5960
Email: rplasencia@rizemtg.com

Or schedule a free investor strategy call with The Listing Team today.