Multifamily & Mixed-Use
Multifamily & Mixed-Use
Private Lending
Capital for apartment buildings, 2–4 family properties, and mixed-use buildings. Loan sizes from $300K to $8M with scenario-dependent underwriting.
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Key Terms at a Glance
Loan Size
$300K – $8M
Loan to Cost
Up to 75%
Loan to ARV
Up to 65%
Min FICO
670
Closing Speed
2–4 Weeks
Mixed-Use Commercial Limits
Mixed-use properties have specific commercial-to-residential ratios based on total unit count. These limits ensure the property remains primarily residential.
35%
1–4 Units
Maximum commercial square footage
25%
5–10 Units
Maximum commercial square footage
20%
11+ Units
Maximum commercial square footage
Additional Mixed-Use Requirements
- Commercial use limited to retail or office space
- 2–3 Unit mixed-use: 1 commercial unit maximum
- 4–5 Unit mixed-use: 2 commercial units maximum
- 6–8 Unit mixed-use: 3 commercial units maximum
- Vacant commercial space is not allowed
- Commercial space must be less than 50% of total building area
Refinancing Options
Cash-Out LTV
Up to 55%
Rate & Term LTV
Up to 62.5%
Properties owned 1+ year qualify for as-is valuation.
Frequently Asked Questions About Multifamily Loans
Looking to Acquire or Refinance a Multifamily Property?
Pre-qualification in minutes. Loan sizes from $300K to $8M. 2–4 week closings.
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