Multifamily Property Financing
Multifamily properties offer stable cash flow and appreciation potential. We provide comprehensive financing solutions for apartment acquisitions, refinances, renovations, and new construction.
Industry Challenges
Large transaction sizes require specialized lenders
Complex underwriting of multiple income streams
Value-add properties need renovation financing
Tight timelines on competitive acquisitions
Exit strategy planning for repositioned assets
Our Solutions
Loan amounts from $1M to $50M+
Experienced underwriting of apartment properties
Bridge loans for value-add and repositioning
Close in as few as 14 days on acquisitions
Bridge-to-permanent financing strategies
Multifamily Property Financing
Apartment buildings represent one of the most stable and scalable real estate asset classes. From small 5-unit properties to large apartment complexes, we provide financing solutions for every multifamily investment strategy.
Property Types We Finance
Garden-Style Apartments
- 2-3 story buildings
- Surface parking
- Suburban and urban locations
Mid-Rise Apartments
- 4-8 story buildings
- Structured parking
- Urban and transit-oriented
High-Rise Apartments
- 9+ story buildings
- Major metro locations
- Full-service amenities
Specialty Multifamily
- Student housing
- Senior living (independent)
- Workforce housing
Investment Strategies
Stabilized Acquisitions Cash-flowing properties with minimal work needed:
- DSCR loans with 30-year terms
- Competitive rates for quality assets
- Cash-out refinance options
Value-Add Repositioning Properties with upside through improvements:
- Bridge loans for acquisition + renovation
- Interest reserves during renovation
- Refinance to permanent upon stabilization
Ground-Up Development New construction opportunities:
- Construction loans with flexible draws
- Interest reserves through lease-up
- Permanent financing upon stabilization
Underwriting Approach
We evaluate multifamily properties based on:
- In-Place NOI - Current cash flow and occupancy
- Pro Forma NOI - Post-renovation income potential
- Market Fundamentals - Rent growth and demand drivers
- Sponsor Experience - Track record with similar projects
- Exit Strategy - Refinance, sale, or long-term hold
Loan Parameters
- Loan Size: $1M - $50M+
- LTV: Up to 80% stabilized, higher on value-add basis
- DSCR: 1.20+ for permanent loans
- Terms: 12-36 month bridge, 5-30 year permanent
48-Unit Value-Add Acquisition
A syndicator identified a 48-unit apartment complex with below-market rents and deferred maintenance. We provided a $4.2M bridge loan covering acquisition and $600K in renovations. After repositioning, the property refinanced at a $6M valuation.
Available Programs
Multifamily Bridge Loans
Short-term financing for acquisitions and value-add projects
Apartment DSCR Loans
Long-term financing based on property cash flow
Construction Loans
Ground-up multifamily development financing
Portfolio Loans
Finance multiple apartment properties together
Other Industries
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Our team specializes in multifamily financing. Let us help you find the right solution for your business.