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.
Frequently Asked Questions
What is a hard money loan?
A hard money loan is financing secured by real estate, based on property value and deal strength rather than personal income.
How fast can I close?
Most loans close in 7–10 days, with approvals issued in 30 minutes.
Do you lend to LLCs?
Yes. All programs can be closed in LLCs or other business entities.
Do you finance fix and flip projects?
Yes. We provide short-term fix and flip loans with flexible draws and fast closings.
Do you require appraisals?
Depending on the deal and collateral, appraisal requirements vary. Clear scopes and comps can accelerate approvals.
Do you offer DSCR rental loans?
Yes. DSCR loans qualify based on rental income, not personal income documentation.
Do you finance multifamily properties?
Yes. We provide loans for 5+ unit residential multifamily properties nationwide.
Do you work with first-time investors?
Yes. Whether you’re new to real estate or experienced, we provide flexible financing options.