MULTI-FAMILY (5+ UNIT) PROPERTIES
Institutional-Grade Financing for Scalable Real Estate Investments
MULTI-FAMILY (5+ UNIT) PROPERTIES
Multi-family properties with five or more units represent one of the most powerful ways to scale a real estate portfolio. These assets are designed for investors focused on strong cash flow, operational efficiency, and long-term portfolio growth.
WHY INVESTORS CHOOSE 5+ UNIT MULTI-FAMILY
Scalable Cash Flow
Multiple income streams from one property increase revenue stability.
Income-Based Valuation
Property value is driven by net operating income—not emotion or retail comps.
Operational Efficiency
One roof, one location, one management structure.
Strong Exit Options
Attractive to institutional buyers and long-term holders.
KEY PROPERTY FEATURES
- Five or more residential units
- One or multiple buildings under one ownership
- Shared utilities or common areas
- Professionally managed or management-ready
- Valued based on income and performance
- Ideal for long-term holds or value-add strategies
WHO THIS IS IDEAL FOR
Portfolio Investors
Looking to scale efficiently with fewer assets.
Value-Add Operators
Investors planning renovations, rent increases, or operational improvements.
Experienced Buy-and-Hold Investors
Focused on long-term cash flow and appreciation.
Investors Transitioning to Commercial Assets
Moving beyond residential into higher-capacity investments.
SAMPLE DEALS
Proven Results Across Multi-Family Assets
Stabilized Apartment Building
$2,450,000
- Units: 12
Loan Type: DSCR
LTV: 75%
DSCR: 1.32x
Value-Add Multi-Family
$3,100,000
Units: 18
Renovation Budget: $350,000
Loan Type: Bridge
Portfolio Refinance
$6,800,000
Units: 42 (Multiple Buildings)
- Loan Type: Cash-Out Refinance.
Large-Scale Acquisition
$5,250,000
- Units: 32
Loan Type: Bridge to Permanent
Initial LTV: 70%
Stabilized DSCR: 1.38x
QUICK QUALIFICATION CHECKLIST
- 5+ residential units
- Income-producing or value-add opportunity
- Purchase or refinance scenario
- DSCR typically 1.20x or higher
- Down payment or equity in place
- Ability to close in 21–45 days
- Ownership via LLC or entity
HOW WE FINANCE 5+ UNIT MULTI-FAMILY PROPERTIES
We offer flexible commercial loan programs designed specifically for multi-family investors:
DSCR Multi-Family Loans
Bridge Loans for Value-Add or Stabilization
Permanent Rental Loans
Refinance & Cash-Out Options
Portfolio & Blanket Loans
Our approach is income-focused, investor-friendly, and designed for efficient closings.
READY TO SCALE YOUR PORTFOLIO?
Multi-family properties allow investors to grow faster with stronger income fundamentals. Our team provides structured, scalable financing designed to support serious investors.
FREQUENTLY ASKED QUESTIONS
Yes. Properties with five or more units fall under commercial real estate lending and are underwritten primarily on income performance.
Depending on complexity, closings typically range from 21–45 days.
Personal income is never required.
Yes. Bridge loans and value-add programs are available for renovations and repositioning.
Generally 660+, though strong deals may qualify with flexibility.
Yes. Cash-out refinancing is available on stabilized multi-family assets.
Yes, we do lend nationwide.
Yes. Portfolio and blanket loan options are available.
