Multifamily Financing

Flexible solutions for investors seeking cash flow, appreciation, and solid portfolios.

What is Multifamily Financing?

These loans are designed for the acquisition or refinancing of multifamily properties, from small residential buildings to large-scale complexes. This type of financing offers competitive terms, fixed or variable rate options, and structures tailored to the property’s income stability, allowing investors to expand their portfolios and maximize the value of their assets.

Ideal for:

Investors looking to acquire stable multifamily properties or those with potential for improvement.
Owners seeking to refinance to lower rates, improve terms, or free up capital.
Operators planning value-add projects in residential buildings.
Buyers needing flexible financing to grow their portfolios or consolidate existing debt.
Companies or LLCs managing medium- and long-term income assets.

⭐ Advantages

🟢 Multifamily DSCR
🟢 Multifamily Bridge
🟢 Renovation Financing
🟢 Foreigners (FN) Allowed
🟢 Cash-Flow Underwriting

⭐ What does it finance?

✔ Duplex
✔ Triplex
✔ Fourplex
✔ 5–8 units
✔ Small multi-family buildings
✔ Programs available for foreigners (FN)

Frequently Asked Questions:

What are the requirements?

✅ Main Requirements:

1. Property Financial Statements:

The lender requires detailed information such as:
Updated rent roll
Operating statements (T-12)
Occupancy history

This data allows for an assessment of income stability and asset performance.

2. Investor or Operator Experience:

While not always mandatory, experience managing multi-family properties or similar projects is valued, as it reduces operational risk.

3. Property Appraisal and Valuation:

A commercial appraisal, market research, and, in some cases, technical inspections must be conducted to validate the current value and potential of the asset.

4. Corporate Structure and Legal Documentation:

Generally, the following is requested:

Information about the LLC or business entity
Organizational documents
Identification of key members
This helps the lender verify the borrower's structure.

5. Appropriate Capital Contribution / LTV:

Multifamily loans typically require a down payment of 20–30%, with a maximum Loan-to-Value (LTV) that varies depending on the type of program (private banking, agency, bridge, etc.).

Can I use LLC?

Yes.

Do I need experience?

No.

What is the down payment?

20%–30%

Does it work for Airbnb?

Yes.

Loans for Multifamily Properties (2–8 units)