Leverage Your Portfolio And Expand Your Business With Multi-Family Loans
Up To 80% LTV
Up To 85% LTC
Rehab Funds Available
Bridge and Lond Term
Foreign Nationals OK
No Seasoning Required
New Investors Welcome
Expanding into apartment building financing — commonly known as multifamily lending — is a strategic way for brokers to elevate their portfolio, attract sophisticated investors, and increase transaction volume. Multifamily assets position you to serve clients seeking scalable, income-producing real estate opportunities.
To qualify as a multifamily investment property, a building must contain five or more residential units. Properties with four units or fewer are generally classified as 1–4 unit residential investment properties in most states and are financed under residential lending guidelines rather than commercial multifamily standards.
From an investor’s perspective, multifamily apartment buildings are a powerful income-generating asset class. They typically produce stronger cash flow than single-family rentals and offer greater income stability, as operating performance is less impacted by any single vacancy.
However, while multifamily properties can reduce vacancy-related risk for investors, lenders often view apartment building loans as carrying a higher overall risk profile due to their size, complexity, and longer liquidation timelines compared to smaller residential properties. As a result, underwriting is typically more structured.
To offset this perceived risk, lenders commonly offer lower loan-to-value (LTV) ratios on multifamily transactions. Borrowers should be prepared to contribute a larger down payment to secure favorable terms.
At JCREIG Capital Funding, we structure multifamily financing solutions that balance opportunity and prudence — helping brokers and investors confidently scale into larger, income-producing assets with clarity and speed.
Multifamily Property Financing Solutions
If you’re working with investors seeking financing for apartment buildings with five or more units, our asset-based mortgage programs are specifically designed to support self-employed borrowers who commonly invest in multifamily properties and strategically offset income through business deductions.
While this tax-efficient approach benefits investors, it can significantly reduce reported personal income — often making qualification for traditional bank financing challenging.
Our asset-based investment property loan programs provide a powerful alternative. Instead of relying on personal income documentation, we focus on the property’s value and its cash-flow potential. By prioritizing asset performance over tax returns, we create a streamlined path to approval that aligns with how real estate investors actually operate.
Flexible Capital Solutions for Apartment Building Acquisitions
Our FlexTerm Loan is an ideal financing solution for multifamily investors, offering both stability and long-term flexibility:
A streamlined option for purchases or cash-out refinances
Interest-only payments for up to 10 years
The ability to remain in the loan for up to 30 years with no balloon payment
Lower monthly payments compared to traditional hard money financing
Designed for performance and scalability, FlexTerm provides the structure investors need to maximize cash flow while maintaining long-term control of their asset.
Investment Properties Only
2-50 Property Portfolio Options
Keep in the name of an LLC
Close in 30-45 days
May require additional collateral
Higher Leverage with More Experience
We Pay Brokers
At JCREIG Capital Funding, we offer faster financing with excellent terms. Simplified loans, amplified profits.