Rental Property Analyzer for Multi-Family

Multi-family properties with 5 or more units fall under commercial financing, which means different underwriting rules, longer loan terms, and valuations based on income (NOI and cap rate) rather than comparable sales. The advantage is scalability: managing 20 units in one building is far more efficient than 20 scattered single-family rentals. The numbers need to work on paper before you close, because commercial lenders will scrutinize the rent roll, expense history, and DSCR. This calculator is pre-filled with typical multi-family assumptions to help you evaluate a deal quickly.