Apartment Complex
At a glance
- Typical qualifications and documentation vary by lender and program rules.
- Property type, occupancy, and credit profile matter.
- We’ll confirm eligibility and next steps during a call.
Basic qualifications (typical)
- Multifamily financing focuses on DSCR, occupancy, and property operations.
- Down payment and liquidity requirements are often higher.
- Experience owning/operating multifamily can improve terms.
Property types that may work
- 5+ unit apartment buildings
- Some mixed‑use multifamily (limits vary)
- Value‑add/renovation scenarios (program dependent)
Typical documentation checklist
- Rent roll and leases
- T‑12 operating statement and expense breakdown
- Borrower financial statement and entity documents
- Purchase contract/LOI and due diligence items
- Third‑party reports (appraisal, environmental, PCA) if required
Tip: For privacy and security, do not email SSNs or sensitive document images. Use a secure portal for sensitive info.
Program-specific documents / notes
- Expect longer timelines and third‑party report costs.
- Loan structures vary (fixed/variable, amortization, balloon).
- We can help you compare agency, bank, and private multifamily options.
Questions? Call (530) 238-5739 or email [email protected].