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Multifamily Loans

Apartment and build-to-rent debt, bridge through permanent

Acquisition, value-add bridge, and permanent financing on apartment and build-to-rent assets. Underwriting centers on in-place rents, achievable rents, operating expenses, and the sponsor's ability to execute the business plan.

Loan size
$500K – $50M+
Max LTV
Up to 80%
Minimum DSCR
1.20x stabilized
Term
12 months – 30 years

Best used for

  • Buying 5+ unit apartment communities
  • Value-add repositioning with a renovation budget
  • Refinancing bridge debt into permanent financing
  • Build-to-rent portfolios

What we will need

  • Current rent roll and unit mix
  • Trailing 12-month income and expense statements
  • Renovation budget where applicable
  • Sponsor schedule of real estate owned and liquidity proof

How the process works

  1. Step 1

    Screen

    NOI, DSCR, debt yield and per-unit basis reviewed up front.

  2. Step 2

    Apply

    Property and sponsor detail through the multifamily module.

  3. Step 3

    Match

    Agency-adjacent, bank, debt fund and bridge quotes compared.

  4. Step 4

    Close

    Third-party reports ordered and tracked in your portal.

Frequently asked

Do you finance 2–4 unit properties?

Yes, typically under our DSCR rental program rather than multifamily.

Are renovation dollars available?

Yes, through bridge structures with a capex holdback.

More questions? Read the full FAQ or contact our Brickell office.

Other financing programs

Rates, points, fees and turnaround times shown are indicative market ranges used for estimating only. They are not an offer, commitment, or guarantee of terms. Final pricing is set by the funding lender in an executed term sheet and depends on credit, collateral, leverage, and market conditions at closing.

Loan calculator

Estimate monthly payments and total interest for this program.

Loan payment calculator

Estimate your monthly payment and total interest. Rates and terms pre-fill from typical market pricing for each program — adjust them to model your own scenario.

Typical range for this program: 5.9% – 7.5% · Agency and bank fixed, or SOFR + 200 – 350 bps

Estimated monthly payment

$3,226

Total interest
$661,500
Total of payments
$1,161,500
Principal
$500,000
Est. origination points
$4,375
Get a real quote

Rates, points, fees and turnaround times shown are indicative market ranges used for estimating only. They are not an offer, commitment, or guarantee of terms. Final pricing is set by the funding lender in an executed term sheet and depends on credit, collateral, leverage, and market conditions at closing.

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