Multifamily Financing for 5–10 Unit Apartment Properties
Our multifamily financing program is purpose-built for investors acquiring, repositioning, or holding smaller apartment buildings — value-add bridge financing to stabilize a property, or a long-term hold loan once it's performing.
Multifamily properties in the 5–10 unit range don't fit neatly into single-family or large institutional lending boxes — so we underwrite them on the property's rent roll and stabilized value, not just your personal financials. Whether you're repositioning an underperforming building or refinancing a stabilized asset for a long-term hold, our program is built to move at investor speed.
Built for Every Stage of the Hold
Value-Add Bridge
Short-term financing to acquire and reposition an underperforming or partially vacant property, with funding for renovation costs included.
Long-Term Hold
Once a property is stabilized, refinance into a long-term hold loan sized to the asset's rent roll and as-is value.
Flexible Underwriting
Occupied, partially occupied, or vacant properties are all considered — we look at the deal, not just a checklist.
Multifamily Financing Program Details
- Loan Amounts$150,000 – $5,000,000
- Unit Count5–10 Units (Apartment Buildings)
- Loan Term12–24 Months (bridge) or Long-Term Hold options available
- Interest RateContact for current pricing
- LTC — PurchaseUp to 80% of Purchase Price + 100% of Renovation Costs
- LTV — RefinanceUp to 75% of As-Is Value
- LTV — Cash-Out RefiUp to 70% of As-Is Value
- Credit Score660 Minimum
- Prepayment PenaltyNone on bridge; options vary on long-term hold
- Property ConditionOccupied, Partially Occupied, or Vacant Considered
- Eligible BorrowersCorps, LLCs, LPs, General Partnerships
- ExperienceNot required for smaller unit counts
Why Investors Choose Our Multifamily Financing
Most multifamily financing options are built around large institutional deals — ours is built for the 5–10 unit range that often gets overlooked by bigger lenders. We underwrite based on the property's rent roll and stabilized value rather than a rigid checklist, so occupied, partially occupied, and vacant buildings can all qualify. Because we fund the acquisition and the renovation in a single loan, you're not juggling separate construction financing, and there's no prepayment penalty on the bridge side if you exit early. For underwriting benchmarks like debt service coverage, resources such as Investopedia's DSCR guide are a useful reference as you model out a deal. Once your property stabilizes, you can roll straight into a long-term hold loan with us instead of restarting the refinance process with a new lender. Our team also works directly with brokers and sponsors who need a fast, straight answer on whether a deal pencils, so you're not waiting weeks to find out if a property qualifies. We size every loan around the numbers in front of us — the rent roll, the as-is value, and the renovation scope — rather than a one-size-fits-all matrix.
Multifamily Loan FAQ
- What size properties qualify? This program is built for apartment buildings with 5–10 units. For single-family through 4-unit properties, see our Fix & Flip or Rental Loan programs.
- Can I get financing on a vacant or partially occupied building? Yes — occupied, partially occupied, and vacant properties are all considered as part of a value-add bridge strategy.
- Do I need prior multifamily experience? Experience is not required for smaller unit counts in this range. Larger or more complex deals are evaluated case-by-case.
- What happens once the property is stabilized? You can refinance into a long-term hold loan sized to the property's as-is value and rent roll, rather than refinancing out to a new lender.
Find the right multifamily loan for your deal.
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