Financing for apartment buildings of 5+ units — from small workforce housing to large multifamily portfolios.
What Is Commercial Multifamily?
Commercial multifamily loans finance apartment buildings of 5 or more units. Unlike residential mortgages (1–4 units), multifamily properties are treated as commercial real estate, with underwriting focused on the property’s income rather than your personal qualifications.
Key Benefits
- Higher leverage and longer amortizations than residential investment loans
- Non-recourse options on agency (Fannie/Freddie) loans
- Scale — acquire and finance larger assets in one transaction
- Underwriting based on the property’s net operating income
- Compatible with professional property management
Who This Is For
Investors growing rental portfolios, sponsors acquiring or developing apartment complexes, owners refinancing stabilized assets, and groups recapitalizing existing properties.
Typical Loan Parameters
- Loan Size: $1M–$100M+
- LTV: 65%–80%
- Terms: 5/7/10-year fixed or floating
- Amortization: 25–30 years
- Programs: Agency (Fannie/Freddie), bank, CMBS, debt fund
Property Types
Garden-style apartments, mid- and high-rise multifamily, student housing, senior housing, workforce housing, and affordable housing.
Ready to Get Started?
Schedule a free 30-minute consultation to discuss your project. I’ll help you understand your options and structure the right loan for your asset and your goals.