Acquisition, rehab and refinance loans for apartment buildings. Share your deal to request quotes and compare your options.
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Compare Multifamily Loans options
Top Multifamily Lenders
Nationwide Multifamily Loans lenders compared side by side. Review loan amounts, leverage, rates and terms, then request quotes to see real offers on your deal.
Listings are for information only. Rates, fees, leverage and licensing vary by lender, borrower and state, so confirm current terms directly. We are an independent comparison site, not a lender.
Multifamily Loans: Close in as Few as 14 Days
If you are comparing Multifamily Loans, this guide covers how this type of funding works, what lenders evaluate and how to move from first call to closing. Lenders operate across the country, so the same structure can be applied to a rental in Phoenix, a renovation in Atlanta or a new build in Nashville, while pricing and terms vary by local market.
Typical terms shown for illustration. Actual rates, leverage and timelines depend on the borrower, the property and underwriting.
Every file is reviewed on the strength of the property and the plan behind it.
How Multifamily Loans Are Structured
Commercial and multifamily loans finance income-producing buildings, with underwriting centered on net operating income and the strength of the asset. Each file is reviewed on its own merits, with local rents, comparable sales, property taxes and insurance costs all shaping the final terms. That is why two borrowers asking about the same loan type can receive very different offers.
What Lenders Look at for Multifamily Loans
For this kind of loan, underwriting centers on net operating income, occupancy, the building's condition, your liquidity and your operating experience. A complete, well-organized package helps your request move faster and often leads to better terms.
Property details: location, condition, property type and recent comparable sales nearby.
Borrower profile: credit score, liquidity and real estate experience.
Deal structure: purchase price, down payment or equity and your planned exit.
Documentation: entity paperwork, an insurance quote and a clear scope or lease information.
Who Uses Multifamily Loans
Typical uses include acquiring apartment buildings, mixed-use and small commercial properties, or refinancing stabilized assets. First-time investors value having each step explained in plain language, while experienced operators look for a lender that can repeat the process quickly across multiple properties and markets.
Multifamily Loans Nationwide, with Local Detail
Rules on taxes, insurance, landlord-tenant law and foreclosure timelines differ from one state to the next, which is why we publish a dedicated page for each state. Choose your state below for local lending details, then send us your scenario.
Multifamily Loans Timeline and Next Steps
Timelines depend on the property type and reports required, but a clear package of rent rolls and operating statements keeps things moving. Most borrowers follow the same four steps: submit the scenario, review indicative terms, order the appraisal and title work, and close with a licensed settlement agent.
Rates, fees and licensing requirements depend on the loan and the borrower, so always confirm current terms with a lender licensed in your state. Use the form at the top of this page to share your deal and request quotes.
Multifamily Loans by State
Choose your state to see how Multifamily Loans work in your market, with local details on the cities and property types lenders typically serve.
Alabama
Multifamily Loans
With affordable Southern markets, Huntsville's tech and defense growth, and Gulf Coast vacation rentals, Alabama rewards deal-specific underwriting. See how Multifamily Loans works in Birmingham and beyond. See typical terms, uses and what lenders look at.
With a small, tightly held market where Anchorage dominates and building seasons are short, Alaska rewards deal-specific underwriting. See how Multifamily Loans works in Anchorage and beyond. Read the full Alaska guide for local details.
Investing in Phoenix, Tucson or Mesa? Multifamily Loans in Arizona centers on net-operating-income underwriting, so you can acquire or refinance income-producing buildings. See typical terms, uses and what lenders look at.
Arkansas offers low entry prices, steady rental yields and growth across Northwest Arkansas. Investors in Little Rock and Fayetteville use Multifamily Loans to acquire or refinance income-producing buildings. See typical terms, uses and what lenders look at.
Investing in Los Angeles, San Diego or San Jose? Multifamily Loans in California centers on net-operating-income underwriting, so you can acquire or refinance income-producing buildings. Send your scenario for a state-specific quote.
From Denver to Aurora, Colorado borrowers use Multifamily Loans to acquire or refinance income-producing buildings, backed by net-operating-income underwriting. See typical terms, uses and what lenders look at.
Investing in Bridgeport, New Haven or Stamford? Multifamily Loans in Connecticut centers on net-operating-income underwriting, so you can acquire or refinance income-producing buildings. See typical terms, uses and what lenders look at.
Delaware offers a compact market with beach-town rentals and easy reach of Philadelphia and Baltimore. Investors in Wilmington and Dover use Multifamily Loans to acquire or refinance income-producing buildings. Read the full Delaware guide for local details.
Local conditions across Florida, including year-round population growth, vacation rentals and a very active investor community, shape every quote. Multifamily Loans can help you acquire or refinance income-producing buildings. Read the full Florida guide for local details.
Georgia offers Atlanta's deep rental market, Savannah's port-driven growth and affordable suburbs. Investors in Atlanta and Savannah use Multifamily Loans to acquire or refinance income-producing buildings. Read the full Georgia guide for local details.
Hawaii offers limited land supply, premium pricing and strong demand for island rentals. Investors in Honolulu and Kailua use Multifamily Loans to acquire or refinance income-producing buildings. Send your scenario for a state-specific quote.
Investing in Boise, Meridian or Nampa? Multifamily Loans in Idaho centers on net-operating-income underwriting, so you can acquire or refinance income-producing buildings. See typical terms, uses and what lenders look at.
Investing in Chicago, Aurora or Naperville? Multifamily Loans in Illinois centers on net-operating-income underwriting, so you can acquire or refinance income-producing buildings. Send your scenario for a state-specific quote.
Indiana offers affordable Midwest pricing, strong cash flow and growth around Indianapolis. Investors in Indianapolis and Fort Wayne use Multifamily Loans to acquire or refinance income-producing buildings. See typical terms, uses and what lenders look at.
Investing in Des Moines, Cedar Rapids or Davenport? Multifamily Loans in Iowa centers on net-operating-income underwriting, so you can acquire or refinance income-producing buildings. See typical terms, uses and what lenders look at.
Local conditions across Kansas, including affordable single-family homes and steady rents across the Kansas City and Wichita areas, shape every quote. Multifamily Loans can help you acquire or refinance income-producing buildings. See typical terms, uses and what lenders look at.
Local conditions across Kentucky, including low purchase prices, solid rental yields and growth in Louisville and Lexington, shape every quote. Multifamily Loans can help you acquire or refinance income-producing buildings. Read the full Kentucky guide for local details.
Investing in New Orleans, Baton Rouge or Shreveport? Multifamily Loans in Louisiana centers on net-operating-income underwriting, so you can acquire or refinance income-producing buildings. Send your scenario for a state-specific quote.
Local conditions across Maine, including coastal vacation rentals, historic housing and a tight year-round supply, shape every quote. Multifamily Loans can help you acquire or refinance income-producing buildings. Read the full Maine guide for local details.
Local conditions across Maryland, including Baltimore row homes, Washington-area suburbs and Eastern Shore vacation properties, shape every quote. Multifamily Loans can help you acquire or refinance income-producing buildings. Send your scenario for a state-specific quote.
With dense, high-value markets around Boston, college-driven demand and older multifamily homes, Massachusetts rewards deal-specific underwriting. See how Multifamily Loans works in Boston and beyond. Send your scenario for a state-specific quote.
Local conditions across Michigan, including affordable Detroit-area pricing, university towns and lake-country rentals, shape every quote. Multifamily Loans can help you acquire or refinance income-producing buildings. See typical terms, uses and what lenders look at.
Local conditions across Minnesota, including a strong Twin Cities economy, stable rents and a cold-weather construction calendar, shape every quote. Multifamily Loans can help you acquire or refinance income-producing buildings. Read the full Minnesota guide for local details.
With very low entry prices, high gross yields and Gulf Coast opportunities, Mississippi rewards deal-specific underwriting. See how Multifamily Loans works in Jackson and beyond. Read the full Mississippi guide for local details.
With affordable Kansas City and St. Louis markets with solid rental demand, Missouri rewards deal-specific underwriting. See how Multifamily Loans works in Kansas City and beyond. Read the full Missouri guide for local details.
Local conditions across Montana, including resort-driven demand, limited inventory and rising prices in Bozeman and Missoula, shape every quote. Multifamily Loans can help you acquire or refinance income-producing buildings. See typical terms, uses and what lenders look at.
Multifamily Loans for Nebraska properties: net-operating-income underwriting tailored to markets like Omaha, Lincoln and Bellevue. Read the full Nebraska guide for local details.
From Las Vegas to Reno, Nevada borrowers use Multifamily Loans to acquire or refinance income-producing buildings, backed by net-operating-income underwriting. Send your scenario for a state-specific quote.
Local conditions across New Hampshire, including limited inventory, steady commuter demand from Boston and seasonal lake properties, shape every quote. Multifamily Loans can help you acquire or refinance income-producing buildings. Read the full New Hampshire guide for local details.
Investing in Newark, Jersey City or Paterson? Multifamily Loans in New Jersey centers on net-operating-income underwriting, so you can acquire or refinance income-producing buildings. Read the full New Jersey guide for local details.
With affordable pricing, a growing Albuquerque market and distinctive Santa Fe properties, New Mexico rewards deal-specific underwriting. See how Multifamily Loans works in Albuquerque and beyond. Read the full New Mexico guide for local details.
New York offers everything from New York City multifamily to upstate value markets and Hudson Valley rentals. Investors in New York City and Brooklyn use Multifamily Loans to acquire or refinance income-producing buildings. Send your scenario for a state-specific quote.
From Charlotte to Greensboro, North Carolina borrowers use Multifamily Loans to acquire or refinance income-producing buildings, backed by net-operating-income underwriting. Read the full North Carolina guide for local details.
North Dakota offers energy-linked demand, small stable markets and a growing Fargo area. Investors in Fargo and Bismarck use Multifamily Loans to acquire or refinance income-producing buildings. See typical terms, uses and what lenders look at.
Ohio offers affordable Midwest pricing, strong cash flow and a spread of metros from Columbus to Cleveland. Investors in Columbus and Cleveland use Multifamily Loans to acquire or refinance income-producing buildings. See typical terms, uses and what lenders look at.
Investing in Oklahoma City, Tulsa or Norman? Multifamily Loans in Oklahoma centers on net-operating-income underwriting, so you can acquire or refinance income-producing buildings. Read the full Oklahoma guide for local details.
From Portland to Eugene, Oregon borrowers use Multifamily Loans to acquire or refinance income-producing buildings, backed by net-operating-income underwriting. Send your scenario for a state-specific quote.
Multifamily Loans for Pennsylvania properties: net-operating-income underwriting tailored to markets like Philadelphia, Pittsburgh and Allentown. Send your scenario for a state-specific quote.
Local conditions across Rhode Island, including a compact coastal market with older multifamily homes and university-driven rentals, shape every quote. Multifamily Loans can help you acquire or refinance income-producing buildings. See typical terms, uses and what lenders look at.
From Charleston to Greenville, South Carolina borrowers use Multifamily Loans to acquire or refinance income-producing buildings, backed by net-operating-income underwriting. Send your scenario for a state-specific quote.
Local conditions across South Dakota, including small, stable markets with growth around Sioux Falls and Rapid City, shape every quote. Multifamily Loans can help you acquire or refinance income-producing buildings. Send your scenario for a state-specific quote.
Investing in Nashville, Memphis or Knoxville? Multifamily Loans in Tennessee centers on net-operating-income underwriting, so you can acquire or refinance income-producing buildings. Read the full Tennessee guide for local details.
Texas offers large metros such as Dallas-Fort Worth, Houston, Austin and San Antonio with rapid population growth. Investors in Houston and Dallas use Multifamily Loans to acquire or refinance income-producing buildings. Send your scenario for a state-specific quote.
With the fast-growing Wasatch Front, strong job growth and resort-town rentals, Utah rewards deal-specific underwriting. See how Multifamily Loans works in Salt Lake City and beyond. Send your scenario for a state-specific quote.
With limited inventory, ski-town rentals and older housing stock, Vermont rewards deal-specific underwriting. See how Multifamily Loans works in Burlington and beyond. Read the full Vermont guide for local details.
Local conditions across Virginia, including Northern Virginia's strong economy, Hampton Roads military demand and Richmond growth, shape every quote. Multifamily Loans can help you acquire or refinance income-producing buildings. Read the full Virginia guide for local details.
From Seattle to Tacoma, Washington borrowers use Multifamily Loans to acquire or refinance income-producing buildings, backed by net-operating-income underwriting. Send your scenario for a state-specific quote.
Multifamily Loans for West Virginia properties: net-operating-income underwriting tailored to markets like Charleston, Huntington and Morgantown. Read the full West Virginia guide for local details.
Wisconsin offers stable Milwaukee and Madison markets, university rentals and lake-country properties. Investors in Milwaukee and Madison use Multifamily Loans to acquire or refinance income-producing buildings. See typical terms, uses and what lenders look at.
Local conditions across Wyoming, including small, tightly held markets, energy-linked demand and resort rentals around Jackson, shape every quote. Multifamily Loans can help you acquire or refinance income-producing buildings. See typical terms, uses and what lenders look at.