Business
Multifamily Loans
Comprehensive capital solutions for multifamily assets, including short-term bridge financing, fix-and-flip loans for value-add projects, and stabilized long-term rental financing for 5+ unit apartment buildings. We provide the flexible leverage needed to acquire, renovate, and hold larger residential portfolios.
Short Term Bridge Financing
LTV
Stabilized Bridge Purchase: Up to 75% of the As-Is Value Refinance: Up to 70% of the As-Is Value Cash-Out: Up to 65% of the As-Is Value Fix & Flip Purchase: Up to 80% of the Purchase Price Refinance: Up to 75% of the As-Is Value Cash-Out: Up to 70% of the As-Is Value Renovation Coverage + 100% of Renovation Costs
Loan Amount
250K - $3 Mil ($1 Mil Max per unit)
Term
12 - 18 Months
Long Term Financing
LTV
urchase: Up to 70% of the As-Is Value Refinance: Up to 70% of the As-Is Value Cash-Out: Up to 65% of the As-Is Value
Loan Amount
250K - $2 Mil
Term
30 Years (Amortized Options Available)
Popular Question
Navigating the complexities of 5+ unit multifamily financing requires a partner who understands both the numbers and the market. We’ve compiled the most common questions regarding our multifamily bridge and rental programs—from flexible LTV thresholds to our value-add renovation coverage—to ensure your next large-scale acquisition is structured for success.
Can I secure financing for multifamily properties with more than 4 units?
Yes. We offer specialized loan programs for 2–9 unit multifamily properties, providing the capital you need for acquisitions, traditional refinances, or cash-out equity pulls. Our approach allows you to scale your residential portfolio into larger assets without the rigorous hurdles typically found in full commercial financing. For investors looking at even larger opportunities, we also provide competitive options for large multifamily assets (10+ units).
Do I need to provide personal income documentation to qualify?
No. At CapPro, we focus on the property’s ability to generate revenue rather than your personal financial history. We offer DSCR-based multifamily loans that qualify based on the asset's net operating income—not your tax returns, W-2s, or employment records. As long as the property's rental income covers the debt service, you are cleared for funding.
How is loan approval determined for a 5–9 unit multifamily property?
Our underwriting process for mid-sized multifamily assets is primarily data-driven, focusing on the asset's ability to remain self-sustaining. We evaluate: Aggregated Rental Income: The total gross revenue generated from all units. Debt Service Requirements: Your projected monthly mortgage payment, including principal, interest, taxes, insurance (PITI), and any HOA dues. DSCR Benchmarks: We look for a Debt Service Coverage Ratio of 1.0 or higher. Capital Position: Your available down payment and liquidity for required reserves. While we also perform an assessment of the property's physical condition and the local market, the strength of the numbers is the core of our approval.
Can I refinance or pull cash out of a multifamily property?
Yes. We specialize in helping multifamily investors leverage their existing assets to drive further growth. Whether you are looking to secure a more competitive interest rate or want to access tax-free equity for your next acquisition, we have a solution. If your property has appreciated or you have successfully added value through renovations, a cash-out refinance is a powerful tool to reposition your capital and scale your portfolio.
What is the typical down payment for a small multifamily loan?
Investors can generally expect a down payment requirement of 20%–25% for small multifamily assets. This range varies based on the property type, the total loan amount, and the calculated Debt Service Coverage Ratio (DSCR). We work with you early in the process to analyze the numbers, ensuring you have a clear picture of the capital required to reach the closing table.
What documents are required to close a small multifamily loan?
We streamline the multifamily closing process by focusing on the asset rather than your personal income. To ensure a fast and easy closing, please prepare the following based on your transaction type: For New Acquisitions: Executed Purchase Contract Rent Roll & Lease Agreements (for occupied units) Proof of Funds for down payment, closing costs, and reserves LLC/Entity Docs (if purchasing under a business name) Valid ID & Insurance Quote for the property For Refinance or Cash-Out: Current Mortgage & Payoff Statements Certified Rent Roll & Leases for all units Operating Agreement & Entity Docs Bank Statements to verify liquidity/reserves Insurance Declarations Page"
How fast can you close a multifamily loan?
We specialize in providing fast, predictable capital for multifamily investors, typically closing in as little as 10–15 business days. Our relationship-driven approach minimizes traditional bank delays; once we receive your documentation and the appraisal is finalized, we move immediately to the closing table.
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