Multi-Family Property Financing

Specialized loans for apartment buildings and large residential complexes.

Multi-Family Loan Programs

Fannie Mae and Freddie Mac programs with competitive rates and high leverage for stabilized properties.

Government-insured loans with long terms and non-recourse options for qualifying properties.

Short-term financing for value-add projects, renovations, or properties in lease-up.

Commercial mortgage-backed securities offering fixed rates and non-recourse terms.

Flexible solutions from balance-sheet lenders for unique situations.

Ground-up construction financing for new multi-family developments.

Properties with 5 or more residential units are classified as commercial multi-family. 1-4 unit properties fall under residential lending.

Lenders use Net Operating Income (NOI) and Debt Service Coverage Ratio (DSCR). A DSCR of 1.25x or higher is typically required.

Yes. Bridge loans and certain agency programs accommodate properties that need renovation or have below-market occupancy.

Typically 20-25% for stabilized properties. Agency loans may offer up to 80% LTV. FHA can go even higher for qualifying projects.

Get pre-approved for your apartment investment today.