Multifamily Property Financing
Power your multifamily real estate investments with financing solutions designed to meet the needs of this lucrative asset class.
Whether you’re acquiring, refinancing, or redeveloping multifamily properties, we offer a range of loan programs to help you achieve your investment goals.
Why Choose Us?
With decades of experience in multifamily property financing, we understand the unique dynamics of this asset type. From small apartment buildings to large complexes, we provide customized lending solutions, competitive rates, and flexible terms to meet your specific needs.
Key Features of Our Multifamily Property Financing
- Loan Amounts: $500,000 to $100 million+
- Loan Types: Acquisition, Refinancing, Construction, Value-Add Renovations, and Redevelopment
- Max Loan-to-Value (LTV): Up to 80%
- Amortization Terms: 20–30 years
- Interest Rates: Competitive fixed and variable rates available
- Time to Close: Underwriting timelines range from 15 to 90 days – transaction specific
Borrower Requirements
- Minimum FICO: Underwriting Specific – see below
- Recourse and Non-Recourse options available
- Strong property financials and occupancy preferred
- Occupancy Types: Stabilized, value-add, or transitional properties
Lending Programs We Offer
Our multifamily property financing options include a wide range of loan programs to meet the needs of investors:
- Term Lending (Non-SBA): Ideal for stabilized multifamily properties with strong financial performance. Offers competitive rates, long-term amortization, and flexible terms.
- Agency Lending (Fannie Mae & Freddie Mac): Designed for institutional-grade multifamily properties. Offers low fixed rates, longer terms, and non-recourse options.
- SBA 504/7a Lending: Perfect for owner-occupied multifamily properties with mixed-use components. Provides low down payments, long-term fixed rates, and government-backed security.
- CMBS / Life Co. Lending: Suitable for large-scale multifamily properties. Offers low fixed rates, longer terms, and non-recourse options.
- Bridge Lending: Designed for transitional multifamily properties or those undergoing renovations. Provides short-term funding to stabilize or improve the property.
- Hard Money Lending: Ideal for time-sensitive or high-risk transactions. Offers quick closings and flexible terms for properties with unique circumstances.
Specialized Multifamily Property Financing Considerations
Our multifamily property financing solutions are tailored to address the following factors:
- Property Type: Finance properties such as garden-style apartments, mid-rise and high-rise buildings, student housing, senior housing, and mixed-use multifamily developments.
- Market Viability: Evaluate local rental market trends, demand, and tenant demographics.
- Value-Add Opportunities: Provide funding for renovations, upgrades, or redevelopment to maximize property value and cash flow.
- Occupancy and Stabilization: Address financing needs for properties in lease-up or undergoing repositioning.
Example Property Types We Finance
- Small Apartment Buildings (5–20 units)
- Large Apartment Complexes (20+ units)
- Student Housing
- Senior Housing and Assisted Living
- Mixed-Use Multifamily Developments
- Affordable Housing and Section 8 Properties
Tailored Solutions for Multifamily Property Owners and Investors
Whether you’re looking to acquire a new multifamily property, refinance an existing one, or fund redevelopment, we provide end-to-end support to ensure a seamless financing process.
Contact Us Today
Ready to explore financing options for your multifamily property? Contact our team to discuss your needs and discover customized solutions.
Phone:312-285-6495
Schedule a Consultation: Click Here
Full Doc Underwriting
Limited Doc Underwriting
Common Sense Underwriting
Provide attractive financing solutions for borrowers that need flexibility to execute a diverse range of strategies that often don’t fit within one banking relationship.
| Time Required to Close | 45-60 Days on Average |
| Loan Size | 500k to 1M |
| Loan Type | Stabilized Properties, Cross Collateralize – Portfolio, Real Estate (RE) Only, Long-Term Hold, Use Equity – Business Purpose, USDA – Rural |
| Loan Purpose | Stabilized Properties, Cross Collateralize – Portfolio, Real Estate (RE) Only, Long-Term Hold, Use Equity – Business Purpose, USDA – Rural |
| Max LTV | Up to 75-80% LTV |
| Terms | 5, 7, 10yr terms |
| Amortization | 25-30yrs |
| Rates | On request – Please Call |
| DSCR Requirement | 1.20x to 1.35x |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Corporate Structure Required |
| Minimum FICO | 680+ Minimum |
| Prepayment Penalty | Yes – Step down |
| Recourse | Full Recourse |
| Occupancy Requirement | Investor Only |
| Lender Origination Fees | 0.5%-1.5% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $2,500-$7,500 |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Stable Rent Roll History |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Kastali's Agency /CMBS Lending
| Time Required to Close | 60-90 Days on Average |
| Loan Size | 1M to 50M+ |
| Loan Type | Purchase, Rate & Term, Cash-Out |
| Loan Purpose | Stabilized Properties, Real Estate (RE) Only, Use Equity – Business Purpose, Cross Collateralize – Portfolio, USDA – Rural, Affordable Housing Financing, Workforce Housing Financing, Green/Energy Efficiency Programs, Long-Term Hold, Large Balance – Institutional Properties |
| Max LTV | Up to 80% LTV |
| Terms | 5, 7, 10yr terms |
| Amortization | 25-30yrs |
| Rates | On request – Please Call |
| DSCR Requirement | 1.20x to 1.35x DSCR |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Single Asset Entity |
| Minimum FICO | 700+ preferred / 680 min |
| Prepayment Penalty | Yield Maintenance/Step down |
| Recourse | Non-Recourse Available |
| Occupancy Requirement | Investor Only |
| Lender Origination Fees | 0.5%-1.5% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $2,500-$7,500 |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Strong Property Financials |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Full Doc Underwriting
Limited Doc Underwriting
Common Sense Underwriting
Provide advantageous financing solutions for “scratch & dent” borrowers who can’t show taxable income or may have damaged credit and looking for gap funding to bridge a temporary situation.
| Time Required to Close | 4-6 Weeks on Average |
| Loan Size | 500k to 50M+ |
| Loan Type | Purchase, Rate & Term, Cash-Out |
| Loan Purpose | Bridge to Perm / Sell, Value-Add / Light Rehab Fix n Flip/Hold, Value-Add / Lease-Up & Stabilize, Construction to Perm, Quick Close, Bad Credit, Light Document, Reduced Underwriting, Short-Term, Distressed Property, Use Equity – Business Purpose |
| Max LTV | Up to 70% LTV |
| Terms | 1-3yr terms |
| Amortization | 25-30yrs – Typically I/O |
| Rates | On request – Please Call |
| DSCR Requirement | 1.0x DSCR minimum |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Single Asset Entity |
| Minimum FICO | 680+ preferred / 650 min |
| Prepayment Penalty | Typically 3-1% step down |
| Recourse | Typically Recourse |
| Occupancy Requirement | Investor Only |
| Lender Origination Fees | 1%-3% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $2,500-$7,500 |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Exit Strategy Required |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Full Doc Underwriting
Limited Doc Underwriting
Common Sense Underwriting
Provide instant relief for financial problems that just simply can’t wait around for the bank. We close frequently in 5-10 business days with common-sense underwriting and a solid exit plan.
| Detail | Description |
|---|---|
| Time Required to Close | 1-2 Weeks on Average |
| Loan Size | 500k to 20M+ |
| Loan Type | Purchase, Rate & Term, Cash-Out |
| Loan Purpose | Quick Close, Bad Credit, Light Document, Value-Add / Light Rehab Fix n Flip/Hold, Value-Add / Repurpose, Construction – Heavy / Add Sq. Ft, Construction – Land Development, Non-Performing Asset Acquisition, Distressed Borrowers, Distressed Property, Use Equity – Business Purpose |
| Max LTV | Up to 65% LTV |
| Terms | 12-18mo Terms |
| Amortization | Interest Only – I/O |
| Rates | On request – Please Call |
| DSCR Requirement | Not typically required |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Single Asset Entity |
| Minimum FICO | 600+ preferred / 550 min |
| Prepayment Penalty | Typically None |
| Recourse | Typically Recourse |
| Occupancy Requirement | Investor Only |
| Lender Origination Fees | 2%-5% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $2,500-$7,500 |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Exit Strategy Required |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Instant Feedback & Pricing
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Quick help whenever you need it.
We’ve collected a few common job aids, templates, forms, and checklists needed when working on a commercial loan.
Because sometimes one size doesn’t fit all, you’ll sometimes notice different formats for duplicate job aids or forms.
Hopefully these will help!
** All materials made available on Kastali Capital’s website are intended for Real Estate Professionals and intended for educational purposes only.
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