Multi-Family Private Loans
What is a Multifamily Commercial Loan?
Multifamily Loans are primarily used by landlords and real estate investors to quickly acquire or convert real estate multifamily properties obtained from distressed sellers, fire sales, auctions, and other time-sensitive deals.
1. Cash-Out for New Acquisition
- Use case: Pull equity from an existing apartment building to buy or renovate a new multifamily property (e.g., at auction or off-market) in cash.
- Quickly close in competitive bidding situations
2. Bridge to Stabilization (Cash Flow)
- Use case: Buy a distressed or underperforming multifamily property, renovate, and increase occupancy/rents before refinancing with a traditional loan.
3. Gap Financing for Portfolio Growth
- Use case: You’re closing on a new apartment before selling or refinancing another. Private funds can bridge the timing gap.
4. Real Estate Investor Partner Buyout
- Use case: Pull equity out of your existing multifamily property to quickly buy out a partner or investor
5. Emergency Uses / Avoid Foreclosure
- Use case: Secure rescue capital by cashing out of a different property or bring your loan current when a refinance isn’t ready.
- Use case: Fund major repairs, unit conversions, or additions that increase property value and cash flow
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Why Should You Use One?
Multifamily loans are best used to as a creative financing option when you have a unique or time sensitive multi-family deal on the table. You can use private multifamily loans to beat the competition and gain a competitive edge in multiple offer situations.
This loan is not ideal if the following apply to you. Please see our other loan options available here.
- If you do not have a multifamily renovation or future value-add plan to qualify the property for long-term financing in the future.
- If your business or other portfolio properties don't generate enough income to cover the private loan monthly payments.
- If you don’t have a plan for exiting the loan (like refinancing, flipping the property, or securing long-term financing).
Is This Loan Right for You?
Request your Free 30 Minute Consultation to talk with one of our experts about your real estate or business situation. We'll help you brainstorm creative loan options and explore various financing solutions.