Commercial Apartment Loan Programs
We offer commercial long-term loan programs specifically designed for real estate investors. Low documentation makes this program perfect for fast purchases to buy-and-hold or refinance existing multifamily properties.
Program qualification is based on property values, FICO score, and property income (DSCR). No personal income verification, primary residence requirement, or prior experience needed. Whether you’re acquiring your first apartment complex or expanding a portfolio, our streamlined process gets you funded quickly.
Purchase Financing
Up to 70% LTV for apartment building acquisitions. Fast closings let you move quickly on competitive deals in Texas markets.
Rate & Term Refinance
Up to 70% LTV to lower your rate or improve loan terms on existing apartment properties. Stabilize your portfolio with long-term financing.
Cash-Out Refinance
Up to 65% LTV to access equity from your apartment buildings. Reinvest in additional properties or fund value-add improvements.
5-9 Unit Properties Qualify for DSCR Financing
Smaller multifamily properties with 5-9 units qualify for our DSCR loan programs, offering streamlined qualification based on property cash flow rather than personal income documentation.
DSCR Qualified
Property income drives approval
Low Documentation
No personal income verification
Fast Closings
20-30 day typical timeline
Flexible Terms
30-year fixed & ARM options
Apartment Loan Criteria
Flexible terms designed for multifamily investors. Here’s what you need to know about our apartment financing programs.
📋 Loan Parameters
| Loan Amount | $1,000,000 – $10,000,000 |
| Minimum Property Value | $1,250,000 or greater |
| Loan Term | 30 years |
| Maximum LTV (All Programs) | Up to 70% |
| Cash-Out LTV | Up to 65% As-Is Value |
| Time to Close | 20 – 30 Days |
| Asset Classes | 5 to 100 unit apartment buildings |
| Interest Rate | Competitive market rates |
| Origination Fees | 1.00% – 3.00% |
| Minimum Credit Score | 680+ |
👤 Borrower Requirements
| Borrower Type | LLC, Corporation, or Trust preferred |
| Liquidity Required | 9 months PITIA reserves |
| Credit Score | 660+ preferred |
| Experience Required | Not required |
Required Documents
Streamlined documentation for faster closings. Here’s what you’ll need to get started with your apartment loan.
📄 Personal Documents
🏢 Property Documents
💼 Business Documents
Eligible Property Types
We finance a wide range of multifamily properties across Texas and 30+ states.
Quality multifamily properties we finance
Garden-Style
Low-rise with outdoor access
Mid-Rise Buildings
4-12 story complexes
Townhome Communities
Attached rental townhomes
Small Multifamily
5-20 unit properties
Value-Add Properties
Renovation opportunities
Stabilized Assets
Fully occupied, cash-flowing
Apartment Loan FAQs
Common questions about commercial apartment financing.
What’s the minimum number of units you finance?
We finance apartment buildings from 5-100 units. Properties with 5-9 units qualify for our DSCR financing program, while larger multifamily properties access our commercial apartment loan programs.
Do I need prior apartment investing experience?
No prior experience is required for our apartment loan programs. We evaluate the property’s income potential, your credit profile, and liquidity. First-time multifamily investors are welcome.
What DSCR (Debt Service Coverage Ratio) is required?
Most programs require a minimum DSCR of 1.20-1.25, meaning the property’s net operating income must exceed debt service by 20-25%. Higher DSCR can unlock better rates and terms.
Do you offer interest-only options?
Yes, interest-only periods are available depending on the loan structure and property profile. This can improve cash flow during early ownership or value-add phases.
Can my LLC or corporation borrow?
Yes, we prefer lending to LLCs, corporations, or trusts. Entity structures provide liability protection and are standard for commercial real estate investors. Personal guarantees are typically required.
Apartment Financing Across Texas & 30+ States
Texas offers excellent multifamily investment opportunities with strong population growth, business-friendly policies, and robust rental demand.
Explore More Loan Programs
Need different financing? Explore our residential and commercial loan options.
