Multi-Family (5+) Loans California — Resolution Equity
Multi-Family (5+) Loans
Financing for apartment buildings and multi-family properties with 5 or more units across California.
Key Benefits
- Properties with 5+ residential units
- Purchase, refinance, and cash-out
- Agency (Fannie/Freddie) and non-agency programs
- Competitive rates and terms
- Interest-only options available
- Non-recourse options available
- Bridge and permanent financing
- Loan amounts from $500K to $20M+
About Multi-Family (5+) Loans
Multi-family loans for properties with 5 or more units are classified as commercial real estate loans. Resolution Equity offers competitive financing for apartment buildings, mixed-income housing, and large residential investment properties throughout California. Whether you're acquiring, refinancing, or pulling cash out, we have the right program for your deal.
Agency vs. Non-Agency Financing
Fannie Mae and Freddie Mac offer competitive rates for stabilized multi-family properties. Non-agency (bridge or portfolio) loans are available for value-add, transitional, or properties that don't yet meet agency stabilization requirements.
Underwriting Approach
Multi-family loans are underwritten based on the property's net operating income (NOI) and debt service coverage ratio (DSCR). Strong occupancy, rent rolls, and operating history improve loan terms.
Value-Add Opportunities
Bridge loans are available for investors acquiring properties that need renovation or lease-up. Once stabilized, the property can be refinanced into permanent agency or CMBS financing.
Questions About Multi-Family (5+) Loans?
Our licensed team in Temecula is ready to walk you through your options and get you pre-qualified fast.