Multifamily Loans — Private Money Financing for Apartment & Multifamily Investors
Multifamily loans provide financing for apartment buildings, duplexes, triplexes, fourplexes, and larger apartment communities. Whether you're acquiring a stabilized multifamily property, repositioning a value-add asset, or refinancing an existing portfolio, our private money multifamily lending programs offer the speed, flexibility, and competitive pricing that institutional lenders can't match.
What Are Multifamily Investment Loans?
Multifamily investment loans are real estate financing products specifically designed for properties with two or more units intended for rental income. These range from simple duplex acquisition loans to complex bridge financing for large apartment rehab projects.
Types of Multifamily Loans We Offer
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Multifamily Acquisition Loans — purchase financing for 2–100+ unit properties
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Multifamily Bridge Loans — short-term acquisition and repositioning financing
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Multifamily Rehab Loans — value-add financing with renovation draw schedules
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Multifamily DSCR Loans — long-term 30-year rental financing based on property income
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Multifamily Refinance — cash-out or rate/term refinance for existing owners
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Multifamily Ground-Up Construction — new apartment development financing
Multifamily Value-Add Rehab Financing
Value-add multifamily investing involves acquiring an apartment property below market value, renovating units and common areas, raising rents, and stabilizing occupancy — then refinancing or selling at the improved value. Our multifamily rehab loans are purpose-built for this strategy, providing both acquisition capital and a renovation budget in a single loan.
We structure multifamily rehab loans with draw schedules that track unit turnover renovations, common area improvements, and capital expenditure projects — keeping your rehab funded and on schedule.
Multifamily Loan FAQ
What is the minimum unit count for your multifamily loans?
We lend on properties starting at 2 units (duplex) and have no maximum unit count cap for qualified borrowers. Programs differ by unit count — contact us with your property details for the right program.
Do you require a minimum occupancy for multifamily loans?
Occupancy requirements vary by program. Stabilization bridge loans can fund properties as low as 50–60% occupancy. Long-term DSCR programs typically require 85–90% occupancy at time of origination.
Can you finance both the purchase and renovation in one multifamily loan?
Yes — our multifamily bridge/rehab loans combine acquisition and renovation funding in a single loan with a draw schedule for the rehab budget. This simplifies closing and reduces transaction costs.