Category: Investor Guides

Yes — refinance an apartment building and pull equity out, qualifying on the building income. How much depends on the LTV cap and the building DSCR.

Yes — a foreign national can finance a U.S. apartment building on the building income, with no U.S. tax returns, Social Security number, or U.S. credit required.

Yes — an under-rented but functional building finances like standard multifamily; a distressed one may need a bridge loan first, then a refinance once stabilized.

Plan on 20%–25% down for a 2–4 unit and 25%–30% for a 5+ unit commercial building, plus reserves. Here is how the cash to close on multifamily comes together.

NOI (net operating income) is a building income after operating expenses but before the mortgage. Here is how lenders use it to size a multifamily loan.

Yes — a small apartment building qualifies largely on its own rent roll, not your salary. Here’s how 2–4 unit vs. 5+ unit financing works.