Multifamily Lender

Multifamily Lender Benefits:

Up To 90% of Purchase, 100% of Rehab
* Multifamily Bridge Loan
* Multifamily Value Add Loan
* Purchase, Refinance, Cash Out Refinance
* DSCR Loan
* Bridge Loan, Hard Money, Wall Street, CMBS

#1 Best Multifamily Lender


Multifamily Loan Lender

Multifamily Lender

Multifamily Lender for loans from 2 units to 2000+ units!  Fix and Flip, Fix to rent and commercial multifamily value add and stabilized.

Commercial mortgage loans for apartment and multifamily properties include Fannie Mae, Freddie Mac, Life Company, CMBS and more. Every commercial mortgage is tailored to each apartment building project. In particular, we offer loans for refinancing, acquiring, building, and stabilizing multifamily properties in Florida. 

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Multifamily Lender
Multifamily Bridge Loan Lender Options 

Time to Close

As little as 15 days


Up to 90%


12 Month


Starting at 9.99%

Prepayment Penalty

None Possible


Multifamily Loan Options Highlights

Time to Close

As little as 15 days


Up to 90%


Up to 40 years


From 30 years


Yes, with standard carve-outs
Compare Non-Recourse Loans →

Typical Debt Service Coverage

Up  to 1.25x
Calculate Debt Service Coverage (DSCR) →

Prepayment Penalty

⁠Compare Prepayment Penalties →

Financing Options

Fannie Mae, Freddie Mac, Construction Loans, Loans Under $1M, Freddie Mac SBL, FHA/HUD Multifamily Loans, Foreign National Loans, CMBS, Bank Loans, Life Companies, Bridge Loans, Hard Money, Soft Money, Mezzanine Financing, Crowdfunding, SBA 504 Loans, Mezzanine Construction Loans, USDA 538 Loans, Fix and Flip Loans, Fractured Condo Loans

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Multifamily Lender and Fix and Flip Loans

Loans Custom Built for Real Estate Investors

Whether you buy and hold, fix and flip, or build to rent, has the capital for your investment needs

The nations #1 Lender for Fix and Flip and Fix To Rent Investment Loans

Fix & Flip Loans 90% LTC and up to 100% of fix up costs.

Fix To Rent Home Loans

    • 1-500+ properties

    • Single-family, 2-4 units, condos, townhomes, multifamily

    • 5yr, 7, 10 and 30 year terms

      • Up to 90% of cost

    • Up to 100% of Rehab

    • Up to 75% of value

    • $70,000 – $100 million

Fix To Flip Home Loans

    • 1-500+ properties

    • Single-family, 2-4 units, condos, townhomes, multifamily

    • 12 To 24 month terms

      • Up to 90% of cost

    • Up to 100% of Rehab

    • Up to 75% of value

    • $100,000 – $100 million

Multi Family /
Commercial Real Estate

    • 1-50+ properties

    • Multi-family, student housing, mixed use with majority residential

    • 12 To 24 month terms

      • Up to 100% of cost

    • Up to 100% of Rehab

    • $500,000 – $250 Million

    • Bridge, Construction, Permanent  takes an active part in helping our customers achieve their long term goals. Fast closings as fast as 5 days and refinancing into better rates (30 year terms) when it matters.  Feel free to contact us with your loan scenario at 800-826-5077.

We lend in all 50 states!

Multifamily Loan Terms

A “fix and flip” loan is a bridge loan or sometimes called a hard money loan used to purchase property with the goal of selling it for a profit or refinancing it to rent once the repairs are completed. A fix and flip loan is works really well in these situations.

  1. When you need to close fast (Our quick close time is 5 days!)
  2. When high leverage or a low down payment is required.
  3. If the property needs funds for renovations.
  4. When you cannot provide verifiable income (no tax returns required).
  5. If the asset is not yet stabilized, leased up, or producing any income.
  6. If you want a short term loan with no prepayment penalty

At, our fix and flip and fix to rent loans close very quickly… as little as 5 days! Our fix and flip loans and fix to rent investment real estate loans do not require personal income verification and very little documentation! We offer a 100% program and a limited documentation 90% down loan program. Fix and Flip loans are a great way to  leverage your existing capital to generate more income with the ability to close & flip more projects at once utilizing bank funds! finances the acquisition and the rehab costs of the project.

Program Summary

Loan Amount:$100,000 – $250 Million
Term Length:12 – 36 Months
Max LTV:100%  (90% Limited Doc)
Rehab:Funded 100%
Amortization:Interest only
Interest Rate:Starting at 6.99%
Closing Time:5 – 14 Days
Loan Use:Purchase, Rehab, Refinance
Cash out refinance

Common Multifamily Mortgage Programs

There are several commercial programs to choose from when investing in multi-unit, multi-family properties.

Multi-Family Value Add

Up to 90% financing for multifamily value add properties. Up to 90% of the purchase price and 100% of the rehab costs to get you to stabilization where we can then refinance you into a conventional multifamily mortgage.

100% Debt/Equity program:  We provide the debt and equity up to 100% financing. No need to syndicate or take in partners giving away a majority of the profits. Multifamily Loan Application.

Fannie Mae

These loans are for stabilized properties only with a minimum $750,000 loan amount with rates that can be fixed or floating. FNMA financing can be used for traditional multifamily properties, student housing, affordable housing, or independent senior living. Maximum leverage is 80% on purchases and 75% on refinances within designated areas. Loans may be recourse or non-recourse.


Freddie Mac

A Freddie Mac Loan is a type of multifamily loan that is secured by a first-position mortgage on a traditional, student housing, senior housing, or affordable housing property. These mortgages may be held in the FHLMC portfolio (10% of mortgages) or sold to bond investors (90% of mortgages).


FHA Financing – HUD Multifamily Financing

The Federal Housing Authority (FHA) guarantees these mortgages under the authority of the Department of Housing and Urban Development (HUD), making them available nationwide. FHA loans are for stabilized properties that have been in operating for at least 3 years (under the 223(f) program) or for the construction of large projects (under the 221(d)(4) program) and are underwritten for 35-40 year self-amortizing loans with attractive rates. FHA multifamily mortgages can be used for traditional multifamily properties, affordable housing, or senior living. Maximum leverage is currently 83.3% on purchases and 80% on refinances with a minimum loan amount of $5 million for purchase or refinance or $25 million for construction. Because the government guarantees these loans, they are always non-recourse, except standard carve-outs.


Conventional Multifamily Financing

Called portfolio, wholesale or conventional multifamily mortgages, these loans are funded by a bank or other institutionalized lender which does not securitize or sell their loans into capital markets. Because loans are not sold into the secondary market, terms may be more flexible than a securitized loan and it is typically serviced by the lender. Maximum leverage can range from 75-85% (in limited circumstances and areas). Personal guarantees are typically required, may be waived or limited on occasion, depending on the leverage and program.


Conduit / CMBS Multifamily Loans

Conduit / CMBS loans are securitized loans that are pooled and sold on the secondary market. They are available nationwide in all markets and are available for stabilized properties with a minimum $2 million loan amount. CMBS multifamily loans are typically only for traditional multifamily complexes or independent senior living communities. Maximum leverage is 75% on both purchases and refinances and loans are always non-recourse.


Commercial Real Estate Insurance Mortgages

Insurance mortgages are a type of portfolio loan that is typically funded by a life insurance company and offer the best rates and longest terms in the industry. Although there may be some availability for secondary markets, strong primary markets are highly preferred. Minimum loan amounts may vary based on the programs, but most products have a $5-10 million loan minimum. Insurance loans are typically the best fit for low leverage, high-performing buildings that are B class or greater and no more than 15 years old.


Construction Mortgages

These include FHA and conventional financing.


USDA Mortgages

USDA guaranteed mortgages can be used for any commercial real estate collateral that is located in a designated rural area (with a population of less than 50,000 people). Maximum LTV is 90% under some programs, but most have a maximum of 80-85%. USDA mortgages are almost always full recourse.


dscr loan program


*Up To 85% LTV
* Cash Out Refinance
* 15-30 Day Close!
* No Income Required
* No Employment Required

fix and flip loan programs


*Up to 90% of the Purchase
*100% of the Rehab.
* Closing as fast as 5 days!
* Fix to Flip or Fix to Refi .
* 30 or 40year DSCR loan

rental loan


* Cash-out & Refinance
*30 or 40 year loan..
* Closing 30 days!
* Up To 80% LTV

construction loan


*Ground Up Construction
Up To 80% Of Land
* 100% of Construction
* Builders and Developers!

Multifamily Lender, Multifamily Loans, fix and flip loans, Hard money loans, Bridge Loans