Multifamily Loans (5+ Units)

Bridge • Value-Add • Cash-Out | Up to $3M • 12–18 Month Terms

Ideal Use Cases for Our Multifamily Loans

Perfect For Time-Sensitive Acquisitions

When conventional financing takes too long, our bridge loans can close in as little as 10 business days. This gives investors a competitive edge in markets where speed matters, allowing you to secure properties before they're snapped up by other buyers.

Value-Add Renovation Projects

Finance both acquisition and renovation costs for properties with deferred maintenance or outdated units. Our loans cover up to 100% of documented rehab expenses, helping you transform underperforming properties into high-yielding assets with increased NOI and market value.

Stabilizing Troubled Properties

For properties with high vacancy or management issues, our loans provide the breathing room needed to implement turnaround strategies. Once occupancy and income are stabilized, you can refinance into permanent financing at better terms.

Cash-Out for Further Investments

Extract equity from existing properties to fund additional investments or cover business expenses. Our cash-out options allow you to leverage your portfolio's value without selling valuable assets.

Short-Term Multifamily Bridge & Value-Add

Our flexible financing solutions designed specifically for multifamily investors seeking short-term capital for acquisitions and renovations.

Eligible Collateral

5+ unit apartment buildings or mixed-use properties with ≥70% residential component.

Loan Terms

12–18 months, interest-only payments with extension options available.

Loan Size

$250K–$3M funding available (maximum $1M per unit).


Stabilized Bridge

  • Purchase: up to 75% As-Is value
  • Refinance: up to 70% value
  • Cash-Out: up to 65% value

Fix & Flip

  • Purchase: up to 80% PP + 100% rehab
  • Refinance: up to 75% As-Is + 100% rehab
  • Cash-Out: up to 70% As-Is + 100% rehab

Minimum credit requirement

650+ FICO score.

Short-Term Multi-Family

Standard Leverage Guidelines -Stabilized Bridge Program

Our Stabilized Bridge program offers competitive leverage options for multifamily investors. Purchase transactions receive our highest LTV at 75%, while refinancing options provide flexible capital access.

Fix-&-Flip Leverage Options

Fix-&-Flip Leverage Matrix

Seasoned Investor (5+ flips in last 36 mo)

*Heavy = rehab budget > 100% of As-Is or > 20% expansion.

Fix-&-Flip Leverage Matrix

Emerging Investor (0-2 flips in last 36 mo)

*Heavy = rehab budget > 100% of As-Is or > 20% expansion.

Higher leverage options available for seasoned investors with proven track records. Experience matters—emerging investors face tighter lending constraints until demonstrating success.

Long-Term Multifamily DSCR – Quick Facts

Eligible Collateral

5–9-unit apartments (≥ 70% residential, if mixed-use)

Term

30-year fixed ( Amortization Options are available)

Loan Size

$250K – $2M

Minimum FICO

680

Maximum LTV

Purchase: ≤ 70% As-Is value
Rate/Term Refi: ≤ 70% As-Is
Cash-Out Refi: ≤ 65% As-Is

Our long-term financing solutions provide stable, predictable payments for stabilized multifamily assets. Perfect for buy-and-hold investors seeking to maximize cash flow with minimal refinancing hassle.

Long-Term Multifamily – Maximum LTV & LTC

Our long-term multifamily loans offer competitive leverage based on borrower credit profile. Higher FICO scores unlock better terms.

Maximize your investment potential with our flexible financing options designed for multifamily property investors seeking long-term stability.