Multifamily Lending
Financing for stabilized and value-add apartment communities, five units and up.
Multifamily is the most common commercial property type we finance, and government-sponsored agencies (Fannie Mae, Freddie Mac, HUD) are consistently strong candidates for this asset class alongside banks, debt funds, and life insurance companies. Agency programs are typically non-recourse and competitively priced, which can be especially attractive to syndicated entities or foreign investors who would otherwise face recourse requirements with a bank.
Based in San Rafael, we arrange multifamily financing for Bay Area apartment owners as well as investors nationwide.
Apply Now- 5+ unit property financing — 1-4 units is considered residential
- West Coast & nationwide programs
- Maximum 80% loan-to-value
- Nationwide lending from $1,000,000+
- California lending from $500,000+
- Non-recourse options available through agency and CMBS programs
| Lending Area | Nationwide, with preferred programs for Western states |
|---|---|
| Loan Amount | $1,000,000 and up nationwide; $350,000 and up in California |
| Maximum LTV | Up to 80%, based on risk and in-place cash flow |
| Fixed Rates | Starting at — |
| Amortization | 30-year amortization standard |
| Recourse | Non-recourse options available |
| Prepayment | Ranges from none to yield maintenance or stepdown |
| Underwriting | Starting at a 1.15x debt service coverage ratio |
Multifamily lending questions
Yes — we're based in San Rafael and regularly arrange multifamily financing for apartment properties throughout Marin County, San Francisco, and the greater Bay Area, alongside our nationwide lending programs.