What is Multifamily Loans?
Multifamily loans provide financing for residential properties with 5 or more units, including apartment buildings, condominium complexes, and large multi-unit developments. These loans are classified as commercial real estate financing and offer different terms and underwriting criteria than residential mortgages.
At Roxford Holdings, our multifamily loan programs range from agency loans (Fannie Mae/Freddie Mac) to portfolio and bridge lending, covering properties from small 5-unit buildings to large 200+ unit complexes. We evaluate these loans primarily on the property's net operating income (NOI) and capitalization rate.
Multifamily properties remain one of the most stable and sought-after commercial real estate asset classes due to consistent housing demand. Our lending team has deep experience in multifamily underwriting and can structure creative financing solutions including value-add loans, repositioning capital, and construction-to-permanent financing.
How it compares: Multifamily loans (5+ units) are commercial products with different underwriting than residential 1-4 unit investment loans. They primarily focus on property income rather than borrower income.
Who Qualifies for Multifamily Loans?
How to Apply for Multifamily Loans
Contact Roxford Holdings with your multifamily property details and investment goals
Receive a term sheet based on property NOI, cap rate, and market analysis
Complete commercial appraisal including income approach valuation
Undergo commercial underwriting with property and borrower review
Close on your multifamily loan — typically within 45-60 days
Key Features
Benefits
Requirements
Minimum 5 units
Strong property cash flow
Commercial property experience
20-25% down payment
Professional property management
Frequently Asked Questions
Multifamily commercial loans typically start at 5+ units. Properties with 2-4 units are usually considered residential and may qualify for different loan programs.
While not always required, property management experience is highly preferred and can improve loan terms. New investors may need to partner with experienced property management companies.
Cap rate requirements vary by market and property class. Generally, lenders prefer properties with cap rates of 5% or higher, though strong markets may accept lower rates based on growth potential.
Ready to Get Started with Multifamily Loans?
Get personalized rate quotes and expert guidance for your multifamily loans needs.
"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc
"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc