Commercial mortgage brokerage · 1–8 units
LastStopFunding is a commercial mortgage brokerage. We place DSCR and small-balance financing on residential property from a single house through an eight-unit building. We do not fund the loan. A lender does.
Sample illustration
Not a quote
4-unit fourplex
Savannah sample · 30-year pay · 7.25% illustration
Brokerage calculator
Gross monthly rent, the loan you want, and an illustration rate. The same math follows you into the questionnaire. We use it to place the scenario. Nothing is sent until you email it, and no lender has quoted these numbers.
Property sketch
Leave blank if none.
Move this to test coverage. It is not a rate we are offering.
Payment assumes a 30-year amortization unless you choose interest-only later. Vacancy affects only the NOI figure, at 5%.
Illustration
7.25%not a quote
1–4 units lead with rent / PITIA
Gross rent ÷ PITIA. Vacancy is not deducted.
NOI ÷ annual principal and interest.
Add the loan, rent, taxes, and insurance to see investor DSCR.
Two ways to read the rent
01 — Investor DSCR
Gross monthly rent divided by PITIA: principal and interest, taxes, insurance, and HOA. Personal tax returns are not the center of these lender programs. We place leased single-family through fourplexes, purchases and refinances, including LLC vesting.
02 — Commercial DSCR
Net operating income divided by annual debt service. Vacancy comes out. Taxes and insurance sit in expenses, not in the payment twice. Bring a rent roll. We place these as small-balance commercial files, not as a one-to-four DSCR form with extra doors.
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Address or market, unit count, price or value, the loan you want, and the rent.
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The questionnaire shows investor DSCR and NOI DSCR, and which one the unit count actually uses.
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The scenario goes to inquiries@LaststopFunding.com, or call (949) 408-1069. We match it to a lender, pass, or ask a question. Not a commitment.
Debt service coverage. For one to four units we show gross rent divided by PITIA. For five to eight units we lead with net operating income divided by the annual principal and interest. Both numbers are on the scenario so you can see the difference.
No. LastStopFunding is a commercial mortgage brokerage. We prepare the scenario and place it with lenders. The lender underwrites, prices, and funds. Nothing on this site is a commitment from us or from a lender.
Yes. That is half the book. Lenders look at these as small-balance commercial: rent roll, expenses, and NOI coverage, not as a single-family DSCR loan with more doors.
DSCR files are built so the property’s rent, not a stack of personal income documents, is the qualifier. A specific file can still need entity documents, a lease, or an explanation. We will say so after we read the scenario.
No. The slider is an illustration so you can see how payment and DSCR move. A lender sets the rate after credit, property, leverage, and market are known. We do not quote a rate on this site.
Yes. Tell us the entity name if you have one. If you are still deciding between your name and an LLC, say that in the notes.
Mark it vacant at close and tell us whether you are using market rent. Some programs finance that with a reserve. It is a worse file than a leased building, and we would rather know now.
No. The questionnaire asks for contact, property, loan, and rent. Documents and a credit pull, if the file moves, happen after a person replies.
If the building is one to eight units, start the scenario. We broker the financing. We do not collect a Social Security number on this site.