What lenders look at
- Rent roll and occupancy trend
- Trailing 12-month operating statement
- Rent levels against the local market
- Deferred maintenance and capital needs
- Your experience owning rentals
We package these points up front, so the lenders who see your deal already understand its strengths and how any weak spots are handled.
Loan options for this property type
Purchase loans
Buy multifamily, retail, office, industrial or special-purpose property with bank, agency or private financing.
Refinance and cash-out
Lower your payment, replace a maturing loan, or pull equity for your next acquisition.
DSCR investor loans
Qualify on the property's cash flow, not your personal income.
Bridge loans
Short-term capital for value-add, lease-up or deals that need to move before a bank can.
Construction loans
Ground-up and heavy-rehab financing, with draws structured around your build schedule.
Recent closings
Frequently asked questions
How many units makes a property commercial?
Five or more units is generally financed as commercial multifamily. One to four units usually falls under residential lending, although DSCR loans cover both.
What's the minimum down payment on an apartment building?
Typically 20% to 25%. Agency and some bank programs allow more leverage for strong, stabilized properties.
Can I finance an apartment building that needs work?
Yes. A bridge loan with a renovation holdback can fund the purchase and upgrades, then refinance once rents rise.