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Multifamily loan

Multifamily Property Loans

Acquisition, refinance, and construction financing for apartment buildings — small balance to large institutional. Agency, bank, debt fund, and HUD options.

See my options How it works

Best for

  • Apartment acquisition & refinance (5+ units)
  • Value-add multifamily reposition
  • Multifamily construction (HUD 221(d)(4))
  • Affordable / LIHTC properties

What you'll need to qualify

  • 5+ units (or as defined by execution)
  • 1.20x+ DSCR (1.25x+ for agency)
  • 70–80% LTV depending on execution
  • Sponsor experience and net worth

How it works

  1. 1

    We analyze the property — rent rolls, T-12, market comps — and match to the right execution.

  2. 2

    Compare Fannie/Freddie agency, HUD/FHA, bank, and debt fund quotes.

  3. 3

    Close at the most competitive terms — non-recourse where eligible.

The trade-offs

Pros

  • • Non-recourse with agency execution
  • • Long amortization (up to 35 years HUD)
  • • Most competitive rates in CRE

Trade-offs

  • • Agency requires full third-party reports
  • • Longer close timeline (45–90 days)
  • • Reserves and replacement reserves typical

See what you qualify for

Compare Multifamily loan offers from 75+ lenders. No credit hit, no obligation.

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