Multi-Family Loans
What Is A Multi Family Loan?
A Multi-Family loan provides specialized short-term & long term financing for investors looking to purchase, refinance, or renovate properties with five or more residential units or mixed-use spaces.
Who Are These Loans For?
These loans are ideal for long-term-hold real estate investors and developers seeking bridge or fix-and-flip financing to scale their portfolios with larger apartment buildings.
How Long Do They Take To Close?
Multi-Family loans typically close efficiently within a few weeks, providing the fast capital needed to secure competitive investment properties.
Multi-Family
Multi-Family Loan Criteria
Short Term
Collateral:
Multi-Family Apartment Buildings (5+ Units)
Mixed-Use Properties (Residential Space Must Represent 70%+ of the Property's Total Square Footage)
Term:
12 – 18 Months (Extended Terms Available)
Loan Amount:
$250k – $2M
Minimum FICO:
650 Minimum
LTV: Fix & Flip
Purchase: Up to 80% of the Purchase Price + 100% of Renovation Costs
Rate & Term Refinance: Up to 75% of the As-Is Value + 100% of Renovation Costs
Cash-Out Refinance: Up to 70% of the As-Is Value + 100% of Renovation Costs
Long Term
Collateral:
Multi-Family Apartment Buildings (5-9 Units)
Term:
30-Years (Amortization Options Available)
Loan Amount:
$150k – $1.5M
Minimum FICO:
700 Minimum
LTV: Purchase, Refinance, & Cash-Out
Purchase: Up to 70% of the As-Is Value
Rate & Term Refinance: Up to 70% of the As-Is Value
Cash-Out Refinance: Up to 65% of the As-Is Value
Short Term Multi-Family Loan Program Typical Leverages & Rates
Stabilized Bridge Program
Purchase:
Maximum Loan To Value (LTV): Up to 75% of the As-Is Value
Rate & Term Refinance:
Maximum Loan To Value (LTV): Up to 70% of the As-Is Value
Cash Out Refinance:
Maximum Loan To Value (LTV): Up to 65% of the As-Is Value
Fix & Flip Program
Experience Level: Very Experienced
Completed 5+ Fix and Flips in the Last 3 Years
Light Rehab
LTV: Up to 80% of Purchase Price + 100% of Rehab Costs | ARV: Up to 70%
Moderate Rehab
LTV: Up to 75% of Purchase Price + 100% of Rehab Costs | ARV: Up to 70%
Heavy Rehab
LTV: Up to 70% of Purchase Price + 100% of Rehab Costs | ARV: Up to 65%
Experience Level: Medium Experience
Completed 1-4 Fix and Flips in the Last 3 Years
Light Rehab
LTV: Up to 80% of Purchase Price + 100% of Rehab Costs | ARV: Up to 70%
Moderate Rehab
LTV: Up to 75% of Purchase Price + 100% of Rehab Costs | ARV: Up to 70%
Heavy Rehab
Up to 70% of Purchase Price + 100% of Rehab Costs | ARV: Up to 65%
Experience Level: New Investor
Completed 0 Fix and Flips in the Last 3 Years
Light Rehab
LTV: Up to 70% of Purchase Price + 100% of Rehab Costs | ARV: Up to 65%
Moderate Rehab
Up to 70% of Purchase Price + 100% of Rehab Costs | ARV: Up to 65%
Heavy Rehab
LTV: Not Permitted | ARV: Not Permitted
Purchase, Refinance, & Cash-Out Programs
Purchase
FICO Credit: 740+
Maximum Loan To Value (LTV): Up to 70% of the As-Is Value. Up to 70% Loan-to-Cost (LTC)
FICO Credit: 729-739
Maximum Loan To Value (LTV): Up to 70% of the As-Is Value. Up to 70% Loan-to-Cost (LTC)
FICO Credit: 700-719
Maximum Loan To Value (LTV): Up to 70% of the As-Is Value. Up to 70% Loan-to-Cost (LTC)
Rate & Term Refinance
FICO Credit: 740+
Maximum Loan To Value (LTV): Up to 70% of the As-Is Value.
FICO Credit: 729-739
Maximum Loan To Value (LTV): Up to 70% of the As-Is Value.
FICO Credit: 700-719
Maximum Loan To Value (LTV): Up to 70% of the As-Is Value.
Cash-Out Refinance
FICO Credit: 740+
Maximum Loan To Value (LTV): Up to 65% of the As-Is Value.
FICO Credit: 729-739
Maximum Loan To Value (LTV): Up to 65% of the As-Is Value.
FICO Credit: 700-719
Maximum Loan To Value (LTV): Up to 65% of the As-Is Value.
Our Process
Your Path to Your Next Loan
#1
Apply Online
Submit a quick, secure application from anywhere.
#2
Connect With Lender
Once your initial application is received, we'll connect you with one of our trusted lenders in our network.
#3
Review & Approval
Our lenders assess your application and approve it promptly if you qualify
#4
Receive Funds
Get your funds quickly and easily. That's it!
FAQS
Frequently Asked Questions
What types of loans do you offer?
We connect you with lenders in our network that issue DSCR rental loans, bridge loans, fix & flip loans, new construction loans, commercial loans, and self employed loans
How do I apply for a loan?
You can apply easily through our secure online application form. Simply provide your details, and our network of trusted lenders will review your application and get back to you with a decision.
What are the loan requirements?
Our lenders require basic personal information, proof of income, and identification. Specific requirements may vary depending on the loan type, but we make the process clear and simple.
How long does it take to get approved?
Approval times vary, but most loans are approved within 24 hours. We aim to process applications quickly and keep you informed throughout the process.
What is the interest rate on your loans?
Interest rates depend on the type of loan and your financial profile. Our lenders strive to offer competitive rates and provide full transparency with no hidden fees.
What is the interest rate range?
Rates depend entirely on the lenders connect you with, your financial situation and the deal itself. We can say that we will connect you with lenders that will provide you competitive rates based on these factors.
Do you lend directly?
No, we connect you with trusted lenders that match your deal and financial profile based on the loan you apply for.
Is my information secure?
Yes! Our platform is SOC 2 compliant. SOC 2 compliance is an auditing standard that verifies a service provider securely manages your data to protect the interests of your organization and the privacy of its clients.
Testimonials
Hear It From Borrowers
My wife and I are small rental investors that have a couple properties and we were looking to build our portfolio this year. Our usual lender was ok but we felt it was time to check other options. We received a couple calls from different lenders for our next property and got great options for financing.
Working with them made getting a loan for our rentals so much easier. We didn't get a million calls and only connected with the lenders that were able to get us funded quickly without doing a bait and switch
They really do what they say they do. The lenders we've worked with made things so simple. Got quick funding for an office building. Thank you!!
Amazing options! Will be coming back for future deals. Also told all of our friends at our REI group in Ft. Lauderdale.
Our flip business is so hectic that it makes it impossible to get cash for our deals without a last minute issue coming up. They sent our last deal to a few lenders that actually could do the deal. Will be coming back!
Finding construction loans that made sense for us was hard because of the costs. As a builder we don't have much margin to borrow at a high cost with the insane costs of materials and labor. We were connected through LoanSeekr and found a couple of suitable options which made our projects much more profitable. Super happy with the experience.
Get In Touch With Us!
Subscribe To Our Newsletter
Stay informed with the latest updates, tips, and exclusive offers. Subscribe to our newsletter and never miss out on valuable financial insights!
Committed to providing reliable funding solutions with transparency and care. Our network of lenders is here to support your journey, every step of the way.
30 N Gould Ste N, Sheridan Wyoming 82801 | [email protected] | (888) 249-8890
Connect
IInstagram
X
©2026 LoanSeekr LLC | All rights reserved | Privacy Policy | Terms Of Service | Accessibility
LoanSeekr is a commercial real estate financing marketplace and does not operate as a direct lender or bank. All funding decisions, including approvals, interest rates, loan amounts, and terms, are made exclusively by the third-party lenders and brokers in our network, not by LoanSeekr. We do not guarantee that your loan request will be approved or that you will be matched with a lender. Our service allows you to submit your potential loan requirements to multiple capital sources simultaneously to help you source the best available capital.