MULTIFAMILY LOANS
Flexible Financing for Multifamily Investors and Developers
Multifamily loans help investors acquire, refinance, reposition, construct, and scale income-producing apartment properties with capital structured around the project, cash flow, value, and exit strategy.
$800M+
IN LOANS CLOSED
300+
PROJECTS FUNDED
200+
HAPPY CLIENTS
12+
YEARS OF EXPERIENCE
overview
Capital Built for
Multifamily Real Estate
Multifamily financing can be used for acquisitions, refinances, value-add projects, construction, stabilization, and long-term rental holds. Unlike single-property residential loans, multifamily financing often depends on a combination of property income, asset value, borrower experience, business plan, and market strength.
Whether you are buying a small 5-unit property, refinancing an existing apartment building, repositioning a value-add asset, or scaling a larger multifamily portfolio, Build Lending helps structure the request and connect your deal with lenders and capital partners that understand multifamily real estate.
Our goal is to help you find the right financing path based on your property, timeline, leverage needs, and investment strategy.
Multifamily Loans Can Be Used For
Property Acquisitions
Financing for purchasing apartment buildings, small multifamily properties, and larger residential rental assets.
Rate & Term Refinances
Refinance existing debt into a more suitable loan structure based on your current goals.
Cash-Out Refinances
Access equity from stabilized multifamily properties to reinvest, improve liquidity, or acquire additional assets.
Value-Add Projects
Capital for renovation, repositioning, rent growth, occupancy improvements, and operational upgrades.
Bridge to Stabilization
Short-term financing for properties that need time to improve occupancy, income, or physical condition.
Multifamily Construction
Construction financing for new apartment buildings, townhome communities, or rental-focused developments.
Typical MulitFamily Loan Structure
Loan Type
Acquisition, refinance, bridge, value-add, construction, or permanent financing
Property Types
5+ unit multifamily, apartment buildings, mixed-use with residential income, select build-to-rent.
Loan Amounts
$250,000 - $50,000,000+
Leverage
Up to 85% LTV
Term
Short-term bridge to long-term permanent financing options
Income Review
Based on current or projected property income, rent roll, expenses, and NOI
Payments
Interest-only or amortizing options depending on loan type
Exit Strategy
Refinance, sale, stabilization, permanent financing, or long-term hold
Actual terms vary by lender, borrower qualifications, property type, project budget, market, and exit strategy.
What matters most to Multifamily lenders
Property Income
Lenders review rental income, expenses, net operating income, occupancy, rent roll, and overall property performance.
DSCR
The property’s ability to support the proposed loan payment is a major factor in multifamily underwriting.
Asset Quality
The property’s condition, unit mix, location, tenant base, deferred maintenance, and market demand all influence loan options.
Borrower Experience
Prior ownership, multifamily operations, development experience, or property management experience can improve lender confidence.
Business Plan
For value-add or transitional properties, lenders want to understand the renovation plan, rent growth strategy, timeline, and execution plan.
Exit Strategy
A clear refinance, sale, stabilization, or long-term hold plan helps lenders evaluate risk and structure the loan properly.
Why Work With Build Lending
The Right Capital Structure
for Your Multifamily Deal
Not every multifamily lender fits every property. Some lenders are better for stabilized assets. Others are stronger for bridge loans, value-add projects, construction, smaller apartment buildings, cash-out refinances, or borrowers scaling a portfolio.
Build Lending helps review your property, understand the business plan, evaluate the capital need, and connect your multifamily opportunity with lenders and capital partners that are active in your specific type of deal.
- Compare multifamily bridge, permanent, and private lending options
- Structure acquisition, refinance, cash-out, and value-add requests
- Identify lenders that fit your property size, market, and business plan
- Understand leverage, DSCR, reserves, pricing, and loan terms
- Save time by avoiding lenders that are not a fit
Our Mulitfamily loan process
Submit Your Request
Share the property address, unit count, purchase price or value, rent roll, financials, loan request, and business plan.
We Review the Deal
We evaluate the property, income, expenses, NOI, borrower profile, requested leverage, and exit strategy.
We Match the Right Lender
We connect your deal with lenders and capital partners that fit the property type, loan purpose, market, and timeline.
You Compare Options
Review available terms, rates, leverage, fees, reserves, and loan structures.
Close and Execute
Once approved, we help move the loan through underwriting, closing, funding, and execution.
frequently asked
Common Questions
A multifamily loan is financing used to purchase, refinance, construct, or improve residential rental properties with multiple units. This usually includes properties with five or more units, although some programs may also apply to smaller residential rental properties.
Yes. Many multifamily lenders provide financing for value-add projects where the borrower plans to renovate units, improve occupancy, increase rents, or reposition the property.
Lenders typically review the property value, rent roll, income, expenses, net operating income, occupancy, borrower experience, market, business plan, and exit strategy.
Yes. Depending on the lender and project, renovation or value-add funds may be included in the loan structure. Funds may be released through a draw process as work is completed.
Yes. Multifamily loans can be used for rate-and-term refinances, cash-out refinances, bridge refinances, or refinancing into long-term permanent financing.
Yes. Build Lending can help source capital for small multifamily properties, including 5+ unit buildings, apartment properties, and select residential rental assets.
Yes. Multifamily bridge loans are commonly used for acquisitions, lease-up, renovations, stabilization, and repositioning before refinancing or selling.
Bridge financing is usually short-term and often used for transitional properties, acquisitions, renovations, or stabilization. Permanent financing is typically longer-term and better suited for stabilized properties with predictable income.
Ready to Finance Your Next Multifamily Project?
Whether you are acquiring, refinancing, repositioning, or scaling a multifamily portfolio, Build Lending can help you find capital options that fit your property and investment strategy.