Multifamily Loans Made Simple
Finance 5+ unit apartment buildings. Fast closings with up to 90% CLTV. Purchase or refinance.
Want to See Your Financing Options?
Tell us about the property. We'll let you know if it works and explain the available financing. No runaround.
What Is a Multifamily Property Loan—and When Should You Use One?
A multifamily property loan is long‑term financing for residential buildings with 5 or more units—think apartment buildings, complexes, and multi‑unit investments that generate rental income. Whether you're scaling from single‑family rentals to your first apartment building, refinancing to unlock better terms, or consolidating multiple properties—this type of financing gives you the leverage and flexibility to grow your portfolio.
With our multifamily loans, you get flexible deal terms, up to 90% CLTV, 30‑year fixed terms, and no minimum credit score requirement (premium pricing for scores over 700). We focus on the property's income potential, not endless personal documentation. Close in your LLC or trust, and move quickly when you find the right opportunity.
Why Choose Insource Funding for Multifamily Property Loans?
We're direct private lenders focused on income-producing properties. Straightforward process, asset-based underwriting, fast closings.
Asset-Based Approval Process
Approvals are based on appraised value
We focus on the property's rent roll and cash flow potential. No personal income documentation required. Perfect for investors scaling their portfolio or those with complex tax situations.
Flexible Underwriting Options
DSCR not required on small balance multifamily
No minimum credit score requirement (premium pricing for scores over 700). Close in your LLC or trust. We finance purchases, refinances, and cash-out scenarios for 5+ unit properties.
Fast Scaling for Serious Investors
Close in 8–13 business days and move quickly when opportunities arise
Whether it's your first 12-unit building or you're adding to an existing portfolio, our fast process gets you financed quickly so you can compete with all-cash offers.
Grace Thompson
Multifamily Loans Specialist
The Multifamily Application Process
From initial inquiry to closing on your apartment building—streamlined underwriting designed for multifamily investors.
Apply & Discuss Your Deal
Submit your multifamily property information online—5+ units, purchase price, unit mix. We'll call you the same day to discuss your investment strategy and structure optimal terms.
Sign Term Sheet & Underwriting
We send a detailed term sheet outlining rates, LTV, and terms specific to your apartment building. We order the appraisal and review rent rolls while completing underwriting.
Valuation & Close
Multifamily appraisal typically returns in 7-10 days. We close 2-3 days after receiving the value. Total time from application to closing: 8–13 business days.
What We Need From You
Basic property information (address, unit count, rent roll or income summary), purchase contract if applicable, and general investment experience overview. Our streamlined process requires significantly less documentation than traditional bank financing—no tax returns or W-2s for most programs.
Real Multifamily Investors. Real Properties.
These aren't just offers, they're real deals backed by real investors who made a move. Here are a few multifamily properties we recently closed.
Jacksonville, FL
$1.2M14-Unit Apartment Building Purchase
Closed in 13 Days
Atlanta, GA
$875K8-Unit Mixed-Use Property Refinance
Closed in 12 Days
Charlotte, NC
$1.8M22-Unit Apartment Complex Cash-Out
Closed in 13 Days
Explore More Financing Solutions
We offer specialized loan programs for every type of investment property
Top multifamily investment markets:
Multifamily Property Loan FAQ
Common questions about our multifamily and apartment building financing
Have more questions? Contact our team for personalized assistance.
Curious about the approval process? Learn what lenders actually review.
Ready to Finance Your Multifamily Property?
Let's talk about your apartment building financing. Whether you're acquiring a 5-unit property or a larger complex, we'll help you structure the right loan with competitive terms and fast closings.
Get your term sheet and see how we can help you close your next deal in 8–13 business days.
✅ No commitment required • ✅ Direct lender since 2001 • ✅ Fast responses
Trusted by multifamily investors nationwide
No application fees. No commitment. Get your term sheet and see if our multifamily program fits your investment goals.