Apartment & multifamily loans, qualified on the numbers.
From a small 5-unit building to a full apartment complex, we finance multifamily property on its rental income — not just your tax returns. Purchase, refinance and cash-out programs built for investors scaling a Florida portfolio.
- ✓5+ unit apartment buildings and complexes
- ✓Qualify on the property's rental income (DSCR)
- ✓Close in an LLC to protect your portfolio
- ✓Purchase, refinance and cash-out options
Programs matched to your property.
Small Multifamily (5–20 units)
Streamlined financing for smaller apartment buildings, underwritten to their net operating income.
Large Apartment Complexes
Financing for larger multifamily assets, including stabilized and near-stabilized properties.
DSCR Multifamily
Qualify on the building's debt-service-coverage ratio instead of personal income documentation.
Rate-and-Term Refinance
Lower your rate or extend your term as your loan matures or rates move.
Cash-Out Refinance
Pull equity out to reinvest, renovate units, or acquire your next property.
Bridge / Value-Add
Short-term capital to acquire and reposition under-performing multifamily before permanent financing.
Answers before you apply.
How many units qualify as multifamily?+
Properties with 5 or more units are financed as commercial multifamily. 1–4 unit properties are residential and are handled under our home-loan and investor (DSCR) programs.
Do I need to show personal income?+
Often not. DSCR multifamily programs qualify the loan on the property's rental income and expenses, which is ideal for investors with complex tax returns.
Can I close in an LLC?+
Yes. Most investor multifamily programs allow — and often prefer — closing in an LLC to keep the asset off your personal credit and organize your portfolio.
Do you finance value-add or reposition deals?+
Yes. Bridge and value-add programs provide short-term financing to acquire and stabilize a property, then we refinance into permanent financing.