MULTIFAMILY LOANS
Financing for 5+ unit residential properties.
From small 5-9 unit buildings to 100+ unit assets. Acquisition, refinance, value-add, and bridge — structured for investor returns, not residential underwriting.
Multifamily is its own asset class.
Multifamily property — defined as 5+ residential units — sits in commercial real estate, not residential. That changes everything: underwriting, qualifying, structure, and pricing. Where 1-4 unit residential is qualified on borrower income, multifamily is qualified on net operating income (NOI) and debt service coverage.
We structure acquisition financing, refinances, value-add bridge loans, and DSCR-style loans across the multifamily spectrum. Smaller deals (5-20 units) often go through agency-style products; larger deals (50+) through balance-sheet lenders. We work the whole stack.
KEY TERMS
Multifamily structures we handle
Acquisition
$500K to $25M+. Up to 80% LTV on stabilized assets.
Value-add bridge
12 to 36 month bridge to reposition under-performing assets, then refi to permanent.
DSCR for smaller deals
5-20 unit assets often qualify under DSCR-style underwriting — same logic as single-family DSCR, scaled to multifamily NOI.
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