Multifamily Loans

Superpower your multifamily business with Uncapco Financial.

We provide financing on 5+ unit apartment buildings with loans up to $20M. Offering bridge loans, renovation/value-add financing, new construction, and long-term loans — we deliver full flexibility for multifamily investors.

1 - 30

Year Terms Available

(Various Amortizations)

9.75%

Starting Rate on Bridge Loans

$20M

Max Loan Amount

Program Highlights

  • Bridge Loans for Stabilizing or Repositioning Assets with no Pre Payment Penalties

  • 80% LTC for Acquisition + Rehab projects

  • Up to 75% of Stabilized Value

  • Loan Amounts from $250K to $20M

  • 1–30 Year Terms, Various Amortization By Structure

  • Minimum Per Unit of $35,000

  • Points Starting at 1.0%

  • No Interest Charged on Undrawn Funds

  • 660 Minimum FICO

Why work with Uncapco Financial

Multifamily Experts

Our team specializes in apartment building financing. We understand the nuances of acquiring, renovating, stabilizing, and operating 5+ unit multifamily properties — and we structure deals accordingly.

Built to Help You Scale

Whether this is your first 5-unit building or you’re growing a large portfolio, our programs are designed to support multifamily investors at every stage of their journey.

Complete Financing Solutions

One lender for everything you need: bridge loans for acquisitions and repositioning, renovation/value-add capital, new construction financing, and long-term hold loans.

Speed When It Matters

Multifamily opportunities move fast. We’ve optimized our internal workflows to cut out delays and deliver the rapid decisions and closings you need to win deals and keep your portfolio growing.

Problem Solving

Complex multifamily deals often hit unexpected hurdles. When they do, we don’t leave you hanging — we’ll find creative solutions or quickly pivot your deal to the right partner in our network to make sure it closes.

Path to Long-Term Ownership

Build steady rental income with seamless bridge-to-permanent options. Refinance your stabilized multifamily asset into long-term DSCR or permanent financing programs designed specifically for apartment investors.

Frequently Asked Questions

How are multifamily loans underwritten?

Multifamily loans are primarily based on the property’s performance. Lenders focus on income, expenses, and debt coverage (DSCR) to determine loan size, with your financial profile playing a secondary role.

How much can I borrow on a multifamily property?

Loan amounts are driven by the deal, but most stabilized multifamily loans fall within 65%–80% of the property’s value, as long as the income supports the debt.

For acquisitions involving value-add or lease-up, bridge financing can often push higher leverage based on the business plan and projected income, not just current performance.

For development deals, leverage is typically based on loan-to-cost (LTC) rather than value, with funding released in stages as the project progresses.

How long does it take to close a multifamily loan?

Closing timelines depend on the loan type. Bridge and private loans can close in 2–4 weeks, while bank and agency loans typically take 45–75 days.

Do I need prior multifamily experience?

Not always. Experienced operators generally receive better terms, but deals can still be structured for newer investors depending on the strength of the property and overall profile.

READY TO GIVE US A TRY?

Investor Financing That Actually Works for Pros Like You

Apply Today for Competitive Terms, High LTVs, and Quick Decisions – Backed by Real Experience