Multifamily Loans for 5+ Unit Residential Properties
5+ Unit Residential Multifamily Loan Program
Fast, flexible financing for stabilized multifamily and mixed-use properties—no income docs, 80% occupancy required, and closings in 2-3 weeks. Backed by $3.5B+ funded and 25+ years of lending expertise.
2 Programs for 5+ Unit and Mixed-Use Properties
Program 1: 30-Year Long-Term – No DSCR Requirements
✅ 650+ mid credit score
✅ Up to 70% LTV
✅ Must be 80% occupied
✅ No income documentation required
✅ Designed for stabilized multifamily and mixed-use assets
Program 2: 30-Year Long-Term – Asset-Based
✅ No credit requirements
✅ Up to 50% LTV
✅ Must be 80% occupied
✅ No income documentation required
✅ Ideal for investors with non-traditional credit profiles
Defined Terms
Multifamily Loan A loan used to finance residential properties with five or more units, including apartment buildings and mixed-use assets.
DSCR (Debt Service Coverage Ratio) A metric used to assess a property’s ability to cover its debt obligations through rental income. These programs do not require DSCR calculations.
Loan-to-Value (LTV) The ratio of the loan amount to the appraised value of the property or purchase price. Higher LTVs mean less cash out of pocket.
Stabilized Property A property that is at least 80% occupied and generating consistent rental income.
Asset-Based Lending A financing approach that relies on the value of the property rather than the borrower’s credit or income.
