MultifamilyCommercialRefinance
Financing solutions for apartment buildings and multifamily portfolios
Access commercial financing options specifically designed for properties with five or more units. Unlike residential lending models, commercial multifamily loans evaluate the property's performance and long-term potential, enabling larger loan amounts, flexible terms, and scalable capital strategies for serious investors.
Property Types We Finance
Multifamily assets across a range of unit counts and market strategies
Small Multifamily
Mid-Size Properties
Large Complexes
Why Choose Commercial Multifamily Financing?
Purpose-built funding for income-producing rental properties
Aligned Rate Structures
Commercial underwriting may provide rate structures that reflect property performance and market positioning rather than personal credit alone.
Scalable Loan Amounts
Commercial loans allow larger loan sizes and portfolio-level financing, making it suitable for investors expanding beyond single-asset strategies.
Equity Access
Refinancing may allow qualified borrowers to unlock equity for improvements, acquisitions, or capital needs, subject to valuation and underwriting.
Term Flexibility
Options may include longer amortizations, interest-only components, and terms that align with investment objectives and projected cash flow.
Why Commercial Multifamily Over DSCR?
Understanding the critical differences for 5+ unit properties
Real-World Scenarios
How investors use multifamily refinancing
You own a 24-unit apartment building with an existing loan at 7.5% interest and want to reduce your debt service
Refinance to a lower rate of 6.25%, reducing monthly payments significantly while maintaining the same loan balance
Save $3,000+ monthly on debt service, improving cash flow and property NOI immediately
Frequently Asked Questions
Everything you need to know
DSCR loans apply only to 1–4 unit residential properties. Anything with 5+ units is considered commercial and requires commercial multifamily financing.
Rates vary based on the deal but generally fall within a commercial range influenced by property performance, borrower profile, and market conditions.
Many lenders allow refinancing up to 75–80% of the property’s value, minus existing debt. Exact proceeds depend on income, location, and underwriting.
Common items include a rent roll, financial statements, tax records, insurance details, and existing loan documents. Larger properties may require additional reports.
Yes, but terms may vary. Higher occupancy generally leads to better rates and loan terms, while properties in lease-up may require adjusted loan structures.
Ready to Refinance Your Multifamily Property?
Access better rates, higher loan amounts, and flexible terms designed specifically for commercial multifamily properties