Multifamily Loans Across the Northeast & Nationwide. Bridge, Value-Add & Agency Financing.

Agency capital — Freddie Mac, Fannie Mae, FHA/HUD — typically offers the lowest long-term fixed rates on stabilized multifamily of 5+ units. Bank capital is more flexible on non-conforming or transitional deals but typically prices higher than agency. Private institutional capital (debt funds, mortgage REITs) fills bridge and value-add gaps where agency and bank won't go. The right execution depends on the deal — we evaluate all three for every transaction.

Often no. DSCR multifamily programs qualify on rental income only. Bank statement programs qualify on deposits rather than tax returns. Agency programs do require some borrower documentation but focus heavily on the property's net operating income. We have programs for every documentation profile — including borrowers whose tax returns show minimal income due to legitimate business write-offs.

Yes — standard practice across most multifamily programs. DSCR loans, bank statement programs, and most bank conventional loans close in the LLC name. Agency programs (Freddie Mac, Fannie Mae) require specific entity structure compliance — we'll guide you through what's needed before closing.

DSCR multifamily programs go down to $150,000 on 2–4 unit small balance deals. For 5+ unit agency execution, the practical floor is around $1M for Freddie Mac SBL. Smaller 5+ unit deals can be done through bank programs but pricing is typically less competitive than agency at small balance.

DSCR multifamily programs can close in 21–30 days. Freddie Mac SBL typically closes in 30–45 days. Fannie Mae DUS in 45–60 days. FHA/HUD takes longer due to additional regulatory review — typically 60–120 days. Bridge loans can close in 7–30 days for time-sensitive transactions.

This is the awkward size band — too big for residential lenders, often too small for institutional shops to chase — and it's exactly where an advisor earns their keep. Stabilized 5–8 unit buildings at $1M+ place through the Freddie Mac Small Balance program (non-recourse, 30-year amortization); below that, bank programs and DSCR multifamily programs that qualify on the building's rental income cover the gap. We evaluate each building against all three lanes and place it where the terms are strongest.

Most stabilized multifamily programs look for a minimum debt service coverage ratio of 1.20–1.25x — the property's net operating income divided by the annual debt service. A building that doesn't cover at that level today isn't unfinanceable; it's a value-add deal, and the execution becomes bridge capital through the reposition with permanent placement once the stabilized income supports coverage. We model the DSCR from the actual rent roll and actual expenses upfront so the term sheet survives underwriting.

Yes — that's the standard structure for under-rented or transitional buildings: 12–36 month interest-only bridge capital funds the acquisition and renovation, and once the property stabilizes we place the permanent debt, agency where it fits. Bridge can close in 7–30 days when the timeline demands it. The key is structuring the exit at origination, so the bridge and the takeout are one plan rather than two separate scrambles.

Yes. The Freddie Mac Small Balance Loan program was built for exactly this: stabilized 5+ unit buildings from $1M to $7.5M, with non-recourse structure, 30-year amortization, and 5/7/10-year fixed periods. Below the roughly $1M agency floor, bank and DSCR programs carry the deal. Knowing when a sub-$5M building prices better through agency versus a bank is one of the most valuable calls an advisor makes.

Call Dominick directly at (908) 220-6404 or fill out the contact form. For multifamily, a brief call to discuss the property, deal type (acquisition vs. refinance), unit count, and target loan amount is the most efficient first step. We'll tell you upfront which programs fit and what documentation you'll need.