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Your multifamily deal, underwritten with lender-fit clarity

Share assumptions once. We return leverage constraints, DSCR and debt-yield pressure points, and the capital-stack paths worth pursuing—usually the same business day (Mon–Fri).

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Four quick steps. Live LTV, DSCR, and debt-yield read as you enter numbers.

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Review

Lender-fit underwriting

Share assumptions once. We return leverage constraints, DSCR and debt-yield pressure points, and the capital-stack paths worth pursuing.

  • Lender-type fit

    Agency, bank, bridge, and debt-fund paths mapped to your scenario.

  • Underwriting snapshot

    LTV, DSCR, and debt-yield pressure points with leverage constraints.

  • Execution clarity

    Timeline-aware routing so you know what is realistic before term sheets.

5+
Units only
$0
No credit pull
Same day
Response

US multifamily only. Info used solely for deal-review follow-up.

US desk track record

LendCity's US desk has helped investors close 60 US loans (about $9.5M), funded by licensed US lenders

As of October 8, 2026, from our CRM. Since January 2025. All are 1–4 unit investor loans; none are 5+ unit multifamily. Neither this site nor LendCity America lends or originates loans. 5+ unit deals are matched to agency, bank, bridge and HUD lenders. Desk hours: Monday to Friday, 9:00 a.m. to 5:00 p.m. ET.

34

loans in 2025

$6.04 million

26

loans in 2026

$3.44 million

60

total

$9.48 million

Recent US closings

Real US investor loans (1–4 unit)

Real funded deals, anonymized: state or metro only, amount rounded to the nearest $5,000. These are 1–4 unit investor loans, not 5+ unit multifamily.

$880K

Portfolio refinance

US (location withheld)

Four duplexes (8 units across 4 properties)

Closed May 2025

$315K

Refinance

Central Florida (Davenport area)

Single investment property

Closed October 2025

$190K

Refinance

Phoenix metro, AZ

Single investment property

Closed October 2025

Sample structures

Illustrative 5+ unit structures (not closings)

Illustrative examples only — not closings by this desk. Rate ranges are illustrative, not quotes.

48

units

TX

Agency (Fannie)

5.75–6.05%

2025

72

units

FL

Bridge-to-agency

SOFR + 350–450

2025

24

units

NC

Bank portfolio

6.25–6.50%

2024

96

units

AZ

Debt fund

7.50–7.85%

2024

36

units

TN

Agency (Freddie)

5.95–6.20%

2025

Who you'll talk to

Two people on LendCity's US desk

Calls are shared between the two of them. We reply the same business day. Desk hours: Monday to Friday, 9:00 a.m. to 5:00 p.m. ET. Multi-Family USA matches your deal to licensed US lenders; it does not originate loans.

Josh Bauerle

Licensed CPA · U.S. investor loans

Licensed CPA. Reads your numbers for cash flow, tax efficiency and leverage, and has hands-on experience with DSCR loans and portfolio refinancing.

Chris Micucci

U.S. Division Lead

Leads LendCity's US division. College professor and cross-border investor who explains the reasoning behind a financing structure.

LendCity Mortgages

Google reviews for LendCity Mortgages

These Google reviews are for LendCity Mortgages, the Canadian brokerage in the LendCity network. They are not reviews earned by this site.

Rating and count as of September 12, 2026

“If anyone is looking for a mortgage broker, I highly recommend Chris Micucci! Chris was an invaluable resource to me as a first time US investor. He was super knowledgeable and took the time to answer every little question I had. He was also very responsive and very patient with me. I would not hesitate to use him again for my next property! Thanks Chris!”

C Rodriguez

2025-09-19

LendCity Mortgages

“Lendcity is the best mortgage broker for real estate investors. I was first referred to Scott Dillingham (president) when I had 5 investment properties and was no longer able to qualify for conventional mortgages. Lendcity has helped me grow and with their help, I now have 14 investment properties. They are the experts at what they do. If you are a real estate investor, I cannot recommend them enough. Expect true professionals, amazing customer service and APPROVALS.Thanks Scott and everyone on the Lendcity team for your help on my most recent deals.”

Simon Euteneier

2021-02-23

LendCity Mortgages

“This is a review hard to put into words, mainly because LendCity™ (specifically Kristen and Scott) surpassed expectations to the Nth degree. I'd rate them 10 Google Stars if I could. My wife and I are truly blown away. Prior to discovering Kristen and Scott, my wife and I were told "you've exceeded your borrowing limit and we can't approve you for additional financing" by a few other mortgage brokers / brokerages. If you've heard these words too, you know that is about the most deflating sentence you can hear as someone who is passionate about real estate investing. But, one day, after hearing Scott Dillingham featured on a real estate podcast, I gave him a call. While I figured I'd just be told, yet again, that there was nothing they could do to help me buy another investment property, to my surprise, after talking to Scott, I was approved with an A-lender within a few days...for a higher loan than I was expecting. Kristen, Scott - thank you both SO much. Kelly and I cannot wait to work with you again!”

Nick Finn

2022-04-28

LendCity Mortgages

“I had a difficult situation for a great investment property, no one in the city could figure it out. Lendcity stepped in and put me on the path to purchase my investment when no one else believed in the deal. Communication was beyond good, passion the team brought was very good. Super satisfied with the attention to detail and service provided.”

Beyond The Deal McAli

2023-01-21

LendCity Mortgages

“Scott and his team at LendCity™ Mortgages have been nothing but helpful and fast at getting me a mortgage loan. They are a knowledgeable group that helped me with my first rental property, they far exceed the service you get from a traditional bank. Kristen and Scott answered all of my questions the same day if not the same hour. I will definitely be using LendCity™ again for any other mortgages in the future.”

Frank Neufeld

2022-05-05

LendCity Mortgages

“Scott and the staff at Lendcity worked hard to provide us investment property financing! When the told us no, we went to Lendcity and received financing at great rates!!”

Brenda Stokes

2021-08-06

LendCity Mortgages
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