Multi-Family Loans

Flexible short-term and long-term financing for 5+ unit apartment buildings and mixed-use properties.

 

About Multi-Family Loans

Graze Financial’s Multi-Family Loan Programs are built for investors looking to acquire, refinance, or renovate apartment buildings and mixed-use properties with 5 or more units.

Whether you’re repositioning an existing property, renovating for higher rental income, or expanding your portfolio with new acquisitions, our loan programs provide the flexibility and funding you need to maximize returns.

We offer both short-term bridge financing and long-term rental financing, giving you the option to choose a strategy that fits your investment goals.

Multi-Family Loans about image

Loan Criteria

Collateral

  • Multi-family apartment buildings (5+ units)

  • Mixed-use properties (residential space must represent at least 70% of total square footage)

Term

  • 12 – 18 months (extended terms available)

Loan Amounts

  • $250K – $2M

Minimum FICO

  • 650

Loan-to-Value (LTV) Guidelines

Stabilized Bridge

  • Purchase: Up to 75% of As-Is Value

  • Refinance: Up to 70% of As-Is Value

  • Cash-Out: Up to 65% of As-Is Value

Fix & Flip

  • Purchase: Up to 80% of Purchase Price + 100% of Renovation Costs

  • Refinance: Up to 75% of As-Is Value + 100% of Renovation Costs

  • Cash-Out: Up to 70% of As-Is Value + 100% of Renovation Costs

Loan Criteria — Multi-Family (5–9 Units)

Collateral

  • Multi-family apartment buildings (5–9 units)

Term

  • Up to 30 years (amortization options available)

Loan Amounts

  • $150K – $1.5M

Minimum FICO

  • 700

Loan-to-Value (LTV)

  • Purchase: Up to 70% of As-Is Value

  • Refinance: Up to 70% of As-Is Value

  • Cash-Out: Up to 65% of As-Is Value

Ready to expand your portfolio with multi-family investments?

Partner with Graze Financial for flexible financing solutions tailored to your needs.

Why Choose

Graze Financial for Long-Term Rental Loans?

Flexible Options

Short-term bridge or long-term rental financing

Investor-Focused

Tailored terms to match your strategy

Portfolio Growth

Designed to help you scale into larger investments

Fast Approvals

In-house underwriting for quicker closings