Commercial
Multifamily Loans
Unlock the potential of multifamily real estate with CMRE's tailored Multifamily Loan program. Whether you're an experienced investor or just starting, our flexible financing options, starting at 8.5%, can help you acquire, refinance, or improve your multifamily properties. Benefit from competitive rates and expert guidance every step of the way.
Program Benefits
Competitive interest rates starting at 8.5% to maximize your investment returns.
Financing available for property acquisition, refinancing, and improvements.
Expert guidance from CMRE's experienced commercial lending team.
Flexible loan terms to suit your specific investment goals and cash flow needs.
Build long-term wealth and generate passive income through multifamily real estate.
Expand your real estate portfolio with confidence and ease.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$500K - $10M+
Amortization Options
Eligible Properties
- Apartment Buildings
- Condominium Complexes
- Mixed-Use Buildings
- Townhouse Communities
Program Requirements
Income Documentation
- •Demonstrable rental income from existing properties or projected income from the target property.
- •Sufficient personal income to cover loan payments and other financial obligations.
- •Stable income history with a proven track record of financial responsibility.
- •Clear documentation of all income sources, including tax returns and bank statements.
Asset Verification
- •Sufficient liquid assets to cover the down payment, closing costs, and initial operating expenses.
- •A strong balance sheet demonstrating financial stability and the ability to manage debt.
- •Verification of all assets, including bank statements, investment accounts, and real estate holdings.
- •Assets may be reviewed to ensure liquidity and accessibility.
Insurance & Title
- •Comprehensive property insurance to protect against potential losses due to fire, natural disasters, or other hazards.
- •Liability insurance to cover potential claims from tenants or visitors.
- •Flood insurance if the property is located in a designated flood zone.
- •Proof of insurance coverage must be provided prior to loan approval and maintained throughout the loan term.
Property Requirements
- •Minimum FICO score of 640 to demonstrate creditworthiness.
- •A clean credit history with no major derogatory marks, such as bankruptcies or foreclosures.
- •Low debt-to-income ratio to ensure the ability to manage loan payments.
- •Review of credit report to assess overall credit risk.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
Multifamily loan terms typically range from 5 to 30 years, depending on the lender and the borrower's needs. Shorter terms may offer lower interest rates, while longer terms can provide lower monthly payments.
Several factors can affect the interest rate on a multifamily loan, including the borrower's credit score, the loan-to-value ratio, the property's location, and current market conditions. A lower risk profile typically results in a more favorable interest rate.
Yes, multifamily loans can be used to refinance existing properties. Refinancing can help you lower your interest rate, shorten your loan term, or access equity for property improvements or other investments.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
