Multifamily
Flexible short-term, long-term, and construction financing options for multifamily real estate investors.
Financing Options for Multifamily Investors
Multifamily properties often require financing built around the property’s units, occupancy, income, renovation plan, and investment strategy.
Borrowers Capital reviews each scenario to help identify appropriate short-term, long-term, or construction financing options.
- Purchase, refinance, and eligible cash-out requests
- Stabilized and value-add multifamily properties
- Short-term bridge and renovation financing
- Long-term financing for qualifying rental properties
- Selected multifamily construction scenarios
5+ Residential Units*
Multifamily apartment buildings and selected mixed-use properties may be considered.
Short- and Long-Term*
Available structures depend on the property’s condition, occupancy, income, and business plan.
Purchase or Refinance*
Eligible acquisition, refinance, renovation, and cash-out requests can be reviewed.
Stabilize, Improve or Hold*
Financing can be evaluated around the property’s current condition and intended exit strategy.
*Programs and eligibility vary by property, unit count, borrower qualifications, location, and lending partner.
Find the Right Structure for the Property
The appropriate option depends on whether the property needs stabilization, is ready for long-term financing, or involves a new construction project.
Bridge and Renovation
Short-term financing for acquisitions, refinances, property improvements, lease-up, or stabilization.
- Stabilized bridge scenarios
- Value-add and renovation projects
- Interest-only structures may be available
- Defined refinance or sale exit strategy
Rental Property Financing
Long-term financing for qualifying multifamily rental properties with documented occupancy and operating income.
- Purchase and refinance options
- Cash-out may be available
- Property income is reviewed
- Long-term amortization options
New Construction
Financing consideration for qualifying ground-up multifamily construction and development scenarios.
- Land and project status reviewed
- Plans, permits, and entitlements considered
- Construction experience affects eligibility
- Detailed budget and completed value required
From Scenario Review to Closing
We review the complete property and borrower profile before identifying potential financing options.
Submit the Property
Share the location, unit count, occupancy, income, expenses, requested financing, and business plan.
Review the Strategy
We review whether short-term, long-term, or construction financing best fits the property.
Complete Due Diligence
The selected lending partner completes valuation, underwriting, documentation, and closing requirements.
The Property’s Financial Story Matters
Multifamily underwriting extends beyond the borrower’s credit profile. The property’s occupancy, rents, expenses, net operating income, condition, and proposed improvements all help determine available financing.
Providing complete operating information allows us to evaluate the scenario more accurately and identify better-fitting options.
Multifamily Requests We Can Review
Each scenario is evaluated based on the property, borrower, market, income, project scope, and requested structure.
Stabilized Acquisition
Purchase financing for an occupied property with documented rental income and an established operating history.
Value-Add or Lease-Up
Short-term financing for renovations, occupancy improvements, operational changes, or repositioning.
Refinance or Cash-Out
Financing consideration for eligible properties being refinanced, stabilized, or repositioned for the next investment stage.
Multifamily Financing FAQs
General answers about submitting a multifamily financing request.
What is considered a multifamily property?
For these programs, multifamily generally means an apartment property containing five or more residential units. Certain mixed-use properties may also be considered.
What is the difference between short- and long-term financing?
Short-term financing is generally used for acquisitions, renovations, lease-up, stabilization, or a defined exit. Long-term financing is generally intended for qualifying rental properties with established income and a longer holding strategy.
Can a property needing renovations qualify?
It may. Value-add and renovation programs can consider eligible improvement costs, but available leverage depends on the borrower, property condition, scope of work, experience, and projected value.
Can mixed-use properties qualify?
Selected mixed-use properties may qualify when the property meets the applicable residential-use and lending-partner requirements.
What property documents should I provide?
Helpful documents include the current rent roll, trailing operating statements, leases, property summary, renovation budget, purchase contract, existing loan statement, and recent appraisal if available.
Can you review multifamily new construction?
Yes. Selected multifamily construction scenarios can be reviewed. Plans, permits, entitlements, land status, development budget, construction experience, completed value, and exit strategy will be important.
How quickly can multifamily financing close?
Timing depends on the loan type, property, valuation, documentation, title, borrower readiness, and lending partner. A complete initial submission helps prevent avoidable delays.
Have a Multifamily Property in Mind?
Submit the property, unit count, occupancy, income, expenses, financing request, and investment strategy for a preliminary review.
Borrowers Capital LLC is a private lending broker and capital placement resource, not a direct lender. This information is for general informational purposes only and is not a commitment to lend or an offer of credit. Programs, rates, leverage, loan amounts, terms, and eligibility are subject to change and depend on borrower qualifications, property, income, project scope, location, due diligence, underwriting, and final approval by the lending partner.