Looking for Advice (or Private Lenders) for DSCR Multifamily Deals — Financing Down P

[Eduardo Cambil]

Hey everyone 👋

I’m currently expanding my portfolio into small multifamily properties (8–12 units) using DSCR loans.
Here’s the type of deal I’m focusing on:

• Purchase price: around $300K

• Units: ~10

• Rent per unit: $600–$700

• Light rehab: $50K–$70K max

• Market: Midwest / Southeast (good Section 8 demand & solid cash flow)

The challenge, as many of you probably know, is covering the initial 20–25% down payment.
I’m looking to connect with private lenders or bridge-loan partners who can finance that gap — ideally interest-only for 12–18 months, secured by the property or a promissory note, until I refinance through a DSCR loan and pay them back in full.

I’m also open to equity partnerships where we structure a fair split before the refinance (e.g., short-term joint venture).

If anyone here:

• Has experience structuring this type of creative financing,

• Works with private investors or firms that do down-payment bridge loans,

• Or can share contacts of reliable private lenders who work with DSCR investors,

…I’d really appreciate your guidance or introductions. 🙏

I’m based in Europe but have my U.S. LLC (Wyoming + operating in Illinois and Alabama) and EIN, so everything’s structured properly on the legal and lending side.

Thanks in advance for your help — I’m hoping to learn from those who’ve successfully used 100% (or near-100%) financing through creative structures or private money.

— Eduardo C.