CAPITAL FOR WHAT COMES NEXT.BUSINESS / REAL ESTATE / PERSONAL
DISTILLEDFUNDINGFind my path
COMMERCIAL / MULTIFAMILY

Multifamily Financing

Multifamily financing turns on occupancy, rents, expenses, leverage, property condition, borrower strength, and the business plan for the asset.

PART OF / Commercial Real Estate LoansUnderstand the parent funding structure
THE CONTEXT CHANGES THE CONVERSATION

Underwrite the Building Like the Cash-Flow Machine It Is.

Commercial real estate financing is evaluated around property operations, tenants, leases, value and the borrower's strength. Owner-occupied and investment transactions follow different paths.

01

Review unit-level rents, vacancy, concessions and delinquency.

02

Budget for turnover, deferred maintenance and capital improvements.

PREPARE FOR THIS CONVERSATION

Bring the specifics.

  • Unit-by-unit rent roll
  • Operating statement and capital expenditure plan

Keep an eye on

  • Tenant rollover can change income during the loan.
  • Environmental review, appraisal and a balloon maturity can affect the transaction.
See the wider checklist
T / CAPITAL, CONSIDERED

Work through the assumptions.

DISTILLED / TOOLS

Loan payment tools

Explore payment, term and total-cost scenarios in the Tools directory.

Open the tool directory ON THIS SITE

Funding readiness

Identify strengths, constraints and the next document to prepare.

Explore
04 / CAPITAL, CONSIDERED

Keep these on the shortlist.

SBA Commercial Real Estate LoansSBA commercial real estate financing can be relevant for eligible owner-occupied business property transactions, subject to program and lender requirements.Bridge LoansBridge financing can buy time for acquisition, stabilization, rehab, lease-up, refinance, or another defined transition.Investment Property LoansInvestment property financing is not one product. Rental, DSCR, bridge, hard money, fix-and-flip, and commercial structures each solve a different part of the investor playbook.
THE BIGGER PICTURE

Capital is one part
of the plan.

BUSINESS CONTEXT
Multifamily

Q / CAPITAL, CONSIDERED

A question worth asking.

Why is the rent roll not enough?

Scheduled rent does not show collection loss, concessions, vacancy or operating expenses. Reconcile it to cash and the property statement.

YOUR NEXT MOVE

A specific need deserves a specific plan.

Start with your profile. Understand the tradeoffs. Prepare a clear request.

Check readiness Prepare a funding brief