5+ Unit Residential & Mixed-Use Hard Money Loans

Fast long-term financing for stabilized multifamily and mixed-use properties nationwide.
Choose between traditional credit-based approval or asset-based underwriting depending on your profile.

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

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Call 516-526-8445

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.

Infographic detailing two loan programs for 5+ unit and mixed-use properties: Program 1 offers 30-year term with no DSCR requirement, 650+ credit score, 70% LTV, and 80% occupancy; Program 2 is asset-based with no credit requirement, 50% LTV, and 80% occupancy. Includes glossary terms, FAQs, and borrower testimonial.

Infographic summarizing key loan terms for 5+ unit multifamily financing: $100K–$5M loan amount, 650 minimum credit score, rates starting at 10.99%, 70% loan-to-cost, 30-year term with 5-year prepayment penalty, and 70% max LTV for both purchase and cash-out refinance.

Frequently Asked Questions

What is a hard money loan?

A hard money loan is asset-based financing secured by real estate. Approval is based primarily on property value and deal strength rather than personal income documentation.

How fast can I close?

Most loans close in 7–10 days, with approvals issued in as little as 30 minutes after deal review.

Do you lend to LLCs?

Yes. All programs can close in LLCs or other business entities.

Do you finance fix and flip projects?

Yes. We provide short-term fix and flip loans with flexible construction draws and fast closings.

Do you require appraisals?

Appraisal requirements vary depending on the deal and collateral. Clear scopes, comps, and property details can help accelerate approvals.

Do you offer DSCR rental loans?

Yes. DSCR loans qualify based on rental income performance rather than personal income documentation.

Do you finance multifamily properties?

Yes. We provide financing for 5+ unit residential multifamily properties nationwide.

Do you work with first-time investors?

Yes. Whether you’re new to real estate investing or experienced, we offer flexible financing solutions designed to fit your strategy.