← All Loan Programs🏘️ Multifamily

Multifamily Loans

Financing for apartment complexes, duplexes, and residential portfolios.

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Overview

Multifamily is one of the most active lending sectors, and we have deep relationships with lenders who specialize in everything from small duplexes to large apartment complexes. We match your deal size and structure to the right capital source.

  • Access to agency lending (Fannie Mae, Freddie Mac) for qualifying properties
  • DSCR-based underwriting for investment portfolios
  • Blanket loan options for portfolio refinancing

Loan Specifications

Min Amount

$500,000

Max Amount

$30,000,000+

Loan Term

5–30 years

Max LTV

Up to 80%

Amortization

20–30 years

Rate Type

Fixed or Floating

Eligibility Criteria

  • 2+ residential units (duplex through large apartment complex)
  • Stabilized properties preferred (85%+ occupancy)
  • DSCR minimum 1.20x
  • Minimum 660 credit score
  • Last 12 months of operating history preferred

Required Documents

Documents are uploaded through our encrypted secure portal, stored on Cloudflare R2 enterprise storage, and only accessible to your assigned broker via a private link. Never shared with third parties.

  • Current rent roll (unit-by-unit, signed)
  • DSCR calculation worksheet
  • Property inspection report
  • Last 12 months operating history / T12 statement
  • Entity formation documents
  • Personal financial statement
  • Last 3 years tax returns

Frequently Asked Questions