SMALL BALANCE MULTIFAMILY
Scale Your Multifamily Portfolio.
Asset-Based Underwriting.
Loans from $500K to $5M+, 75% LTV, closing in as little as 3–4 weeks. Qualify on the property, not your tax returns.
If the property cash flows, you qualify. Scale 5 to 50 doors without W-2 income.
Asset-Based Qualifying
Up to 75% LTV
Close in as little as 3–4 weeks
Most deals are pre-screened within 24 hours. No credit pull, no obligation.
BUILT FOR SCALING PORTFOLIOS
SUBMIT YOUR DEAL
Already working on a deal? Don't wait on bank approvals. We'll tell you in 24 hours if it works.
Direct access to multiple non-QM lenders
Closings in as little as 3–4 weeks
Loan sizes from $100K to $5M
Investor Financing
Why Small Balance Multifamily
5–20
Unit Properties
Small-balance multifamily, mixed-use, and small apartment buildings.
75%
Maximum LTV
Purchase, rate/term refi, or cash-out — all eligible.
2–3
Week Close
Asset-based underwriting. Faster than agency. Built for investor speed.
$5M+
Loan Size
$500K to $5M+. Built for the gap between residential and CMBS.
Multifamily Loan Highlights
| Loan Amount | $500,000 – $5,000,000+ |
| Loan Purpose | Purchase, Cash-Out, Rate/Term Refi |
| Property Types | 5–20 Unit Multifamily, Mixed-Use, Small Apartment |
| Maximum LTV | Up to 75% |
| Qualification | Property DSCR / NOI Asset-Based |
| Min DSCR | 1.20+ typical (some programs allow lower) |
| Credit | No minimum FICO – case-by-case |
| Documentation | Rent Roll, T-12, Property Info, ID |
| Interest Only | Available |
| Closing Time | 3–4 Weeks |
Guidelines subject to change. Contact us for full program details.
How We Underwrite
What Qualifies You
- Property NOI (net operating income)
- Debt service coverage ratio (DSCR)
- Rent roll & occupancy
- Property condition & valuation
What We Ignore
- Personal tax returns & W-2s
- Personal debt-to-income
- Employment history
- Self-employment status
Who This Is For
Scaling Multifamily Investor
Acquiring 5–20 unit properties — qualify on the asset, not your taxes.
Cash-Out to Acquire
Pull equity from a stabilized property to fund the next multifamily acquisition.
Portfolio Refinance
Restructure debt across multiple multifamily assets on a single program.
Bridge to Agency / CMBS
Stabilize a property now. Refinance into agency or CMBS once seasoned.
How It Works
1
Submit Deal
Tell us the address, loan amount, and purpose. 60 seconds.
2
We Review
We pre-screen your scenario against multiple non-QM lenders within 24 hours.
3
Get Approved
Term sheet within 3–5 business days.
4
Close
Funded in 3–4 weeks. Start growing your portfolio.
Most deals are pre-screened within 24 hours.
Scale From 5 to 50 Doors.
Asset-based qualifying. Close in weeks, not months.
Ready to Submit Your Deal?
Get pre-screened terms in 24 hours. No credit pull, no obligation.
Adjacent programs worth knowing
Small-balance multifamily is underwritten primarily on the asset’s income, the same logic that drives our DSCR lending for one-to-four-unit rentals. International buyers acquiring U.S. multifamily are generally served through the foreign national program, and investors purchasing a building to reposition before stabilizing often start with fix and flip financing.