PathIQ matches you to the right loan program — Conventional, FHA, DSCR, portfolio, bank-statement, or commercial multifamily — and pairs you with a vetted loan officer to pre-qualify you fast. Buy with precision, not guesswork. At no cost to you.
PathIQ helps match you to the program that actually fits your deal and your income — from agency conventional to commercial multifamily. Tap any program for what you'll need and how loan limits work.
Fannie Mae & Freddie Mac financing for primary, second-home, and investment properties within conforming limits.
Your loan must fall within the FHFA conforming limit for the county you're buying in. Above that, you'd move to a jumbo or portfolio program.
Check your county's loan limits →Low-down-payment, flexible-credit loans for owner-occupied 1–4 unit homes — ideal for first-time and house-hacking buyers.
FHA sets its own county-by-county limits (higher in high-cost areas), separate from the conforming limit.
Check your county's FHA limits →Qualify on the property's cash flow instead of personal income. Built for rental and small multifamily investors.
Set by the lender rather than agency caps — loan amounts often run well into the millions per property.
Analyze a rental's numbers →Flexible, lender-held programs for borrowers and properties that fall outside standard agency guidelines.
Defined by the lender that holds the loan, so amounts can exceed conforming limits.
See if you're a fit →Qualify using 12–24 months of bank deposits instead of tax returns — for business owners and 1099 earners.
Set by the lender, with jumbo loan amounts available.
Get matched to this program →Underwriting and financing for 5+ unit apartment buildings, with NOI, cap rate, and DSCR analysis built in.
Deal-specific — the loan is sized to the property's income, not a county cap.
Analyze a multifamily deal →Guidelines vary by lender — figures shown are typical ranges, not a commitment to lend.
Lenders consistently ask multifamily borrowers for the same three income proofs. Gather them now and your file moves faster.
Personal federal returns with all schedules. Shows lenders your long-run income stability.
Or 1099s if you're self-employed. Used to verify your employment and reported income.
Your two latest pay stubs. Confirms your current earnings.
PathIQ turns a complex, jargon-heavy process into a clear, data-driven path. Here's exactly how it works.
Enter your financial snapshot — income, existing debt, credit range, and down payment capacity. PathIQ uses this to calibrate every analysis to your actual situation, not a generic buyer.
Add a target property address. PathIQ instantly runs the deal economics — DSCR, payment, and cash flow — and your loan officer uses it to match you to the right program, from Conventional and FHA to DSCR, portfolio, bank-statement, and commercial multifamily.
PathIQ cross-references your target county against live FHFA conforming and high-balance loan limits. You'll know immediately whether your purchase falls within conforming limits or requires jumbo financing.
Based on your profile, DSCR results, and loan limit data, PathIQ generates a step-by-step purchase path — from pre-qualification to closing. Each step is sequenced for your specific scenario.
Generate a lender-ready PDF report with your DSCR analysis, loan limit summary, and purchase path. Share it with your mortgage broker or real estate agent to accelerate underwriting.
PathIQ monitors your deal as it progresses — alerting you to loan limit changes, rate movements, or underwriting flags before they become problems. You arrive at closing prepared, not surprised.
Evaluating a 4-unit property in Phoenix. Needs to know whether it pencils on a DSCR or portfolio loan before making an offer.
Buying a duplex to house-hack. Wants the lowest down payment possible while renting out the other unit.
Strong cash flow but writes most income off on taxes. Needs to qualify without two years of tax returns.
Plug in purchase price, rent roll, and expenses — get DSCR, cap rate, NOI, CoC ROI, and a 5-year projection across loan scenarios automatically.
Pull comparable sales and rent comps for the subject property so you can defend your valuation in writing.
Capture borrower data through a clean 10-step wizard, then export a Calyx-Point-ready .fnm file or PDF.
Send a single-use, MFA-gated link to your borrower so they can finish the application without back-and-forth.
SSN, DOB, income, and assets are stored with envelope AES-GCM encryption. Audit log on every event.
Whether you're underwriting your own deal or pricing a borrower's, PathIQ keeps the math, the docs, and the audit trail in one place.
Atlanta metro 5–20 unit multifamily lending
Charlotte multifamily underwriting & lending
Columbus, Ohio small multifamily lending
5–20 unit multifamily lending in Dallas–Fort Worth, TX
Indianapolis cash-flow multifamily lending
Las Vegas multifamily lending — workforce housing focus
Create a free PathIQ account and run your first deal in under five minutes.
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