What size is 'multifamily'?

It ranges from 2–4 unit properties to large apartment buildings. Structures differ by size.

Does multifamily qualify on personal income?

Often it leans on property income, but requirements vary by partner and property size.

Can I finance a 4-unit property I'll live in?

If you occupy it, that's owner-occupant financing, not investment multifamily. We'll route accordingly.

Do larger buildings need more documentation?

Yes — larger multifamily usually requires detailed operating statements, rent rolls, and reserves.

Can I finance a property that needs work?

Some partners finance value-add multifamily; others want stabilized properties. We'll assess fit.

Is multifamily financing different from a DSCR loan?

They overlap for small multifamily. Larger buildings often need a distinct structure. We'll help you choose.

Investor Funding

Multifamily Financing

Loans for residential income property with multiple units.

Multifamily financing funds residential income properties with multiple units — typically 2–4 unit properties and larger apartment buildings. Qualification often leans on the property's rental income, and structures differ for small (2–4 unit) versus larger multifamily. It's for income-producing residential property, not a single home you live in.

Explore Multifamily Financing Help Me Find the Right Fit Call 877-315-5729

Minimum Requirements & Program Details

These are starting requirements for selected programs. Availability and final terms depend on the funding partner and underwriting. Other options may be available. Meeting a minimum does not guarantee approval.

Multifamily Program

Reveal partner channel

Minimum loan: Requirements vary by program—request a funding review
Minimum credit: Requirements vary by program—request a funding review
DSCR / coverage: Assessed on property rental income
Property: 2–4 unit residential through larger apartment buildings
Term / structure: Requirements vary by program—request a funding review

Availability and final terms depend on the funding partner and underwriting. If a requirement is unresolved for your situation, we'll note it as program-specific and confirm it during your review. Other options may be available.

Common uses

Buying a 2–4 unit rental property
Acquiring or refinancing an apartment building
Scaling into larger multifamily assets
Stabilizing and refinancing a multifamily property

When it fits

The property is residential income-producing with multiple units
Rental income supports the debt
You have relevant experience for the property size

Consider instead

How it generally works

1You provide property, rent roll, and income details.
2Financing is structured around the property's income.
3Structures differ for small vs. large multifamily.
4Rental income supports repayment.

Factors funding partners may consider

Number of units and property type
Rental income and occupancy
Property condition and location
Your experience with the asset class

Documents to prepare

We provide the exact checklist for your program after reviewing your request — you don't need to order an appraisal or gather everything before reaching out. Initial review items help us assess fit; additional underwriting & closing items are requested only once a partner program is confirmed. Sensitive documents are handled through our invitation-only secure process — never on the public intake.

Initial Review

Rent roll and leases
Property financials and operating expenses

Additional Underwriting & Closing

Property appraisal
Entity documents

Curious whether this fits your situation?

Request a review — we'll confirm fit and suggest alternatives if another product suits you better.

Explore Multifamily Financing

Illustrative scenario

An investor acquires a 4-unit rental, qualifying on the property's rental income and repaying from rents collected. Actual terms depend on the partner and property.

How it compares to related products

vs. DSCR Loan

DSCR loans often cover 1–4 unit rentals; larger multifamily may need a different structure.

Learn more

vs. Commercial Investment Property

Multifamily is residential income property; commercial investment property is retail, office, or mixed-use.