Multifamily Loans (5+ Units)
Acquisition, value-add, refinance, and bridge financing for apartment buildings of five units and up.
Who it’s for.
Investors buying, repositioning, or refinancing apartment buildings — from a 6-unit walk-up to larger complexes.
What it can pay for.
- Acquisition of a stabilized property
- Value-add purchase with renovation budget
- Refinance or cash-out of a stabilized property
- Bridge financing through lease-up
What lenders look at.
- Net operating income
- Current and projected NOI, backed by a rent roll and operating statements. This drives loan size on permanent debt.
- Occupancy
- Stabilized properties get long-term options; lower occupancy points to bridge financing first.
- Sponsor experience
- Multifamily owned or managed, and a capable property manager.
Documents you’ll usually need.
Not to get started. The analyzer and the quote request need none of this. Once you choose a lender, you upload these through a secure portal with a checklist.
- Rent roll and trailing 12-month operating statement
- Purchase contract or payoff statement
- Renovation budget, if value-add
- Schedule of real estate owned
- Entity documents and bank statements
Questions
Multifamily 5+ questions.
What's the smallest multifamily deal you work on?
Five units and up are multifamily. Four units and under are financed as 1–4 unit residential, through our fix and flip, bridge, and DSCR programs.
Can you finance a value-add deal and then refinance it?
Yes. We'll structure the bridge loan with the permanent refinance in mind, so the exit is planned before you close.
Related programs
Short-term financing for a property that's ready now — to close fast, buy before permanent financing is lined up, or carry a property while it leases up.
Financing for office, retail, industrial, mixed-use, self-storage, and special-purpose properties — purchase, refinance, and repositioning.
One loan across multiple rental properties — to consolidate scattered loans, cash out across a portfolio, or buy a package of homes at once.
Let’s find out what you qualify for.
A few minutes online, a real person on the other end, and answers fast. No credit pull, and you owe us nothing unless your loan closes.