Multifamily Financing — 5+ Units
Commercial mortgage financing for apartment buildings, complexes, and portfolios of 5+ units.
Overview
Properties with 5 or more residential units are classified as commercial real estate. Multifamily financing provides long-term, fixed or floating-rate mortgages for apartment buildings, complexes, and portfolios. Agency programs (Fannie Mae, Freddie Mac), CMBS, and private capital options are available depending on the property size, occupancy, and borrower profile.
Who Is This For?
- Investors acquiring 5–50+ unit apartment properties
- Operators stabilizing value-add multifamily deals
- Developers building new apartment communities
- Portfolio owners refinancing existing multifamily holdings
Recommended Programs
Loan programs that fit this buying scenario.
The Buying Process
What to expect from pre-approval to closing.
Property Analysis
We review rent rolls, occupancy, condition, and NOI to determine the right program.
Term Sheet
We secure competitive term sheets from agency, bridge, or private capital sources.
Underwriting & Close
Coordinate appraisal, environmental, and closing for a smooth transaction.
Frequently Asked Questions
5 units is the threshold for commercial multifamily. Properties with 2–4 units are classified as residential and financed with conventional or DSCR programs.