More doors, one loan and often better numbers.
Multi Family Loans can help real estate investors finance properties with multiple residential units for rental income and long-term investment.
We compare multi-family loan options across 100+ lenders to help you find the right fit for your investment goals.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What a multi-family file needs
A property of four units or fewer
Above four units, it becomes commercial lending, a different market entirely with its own rules.
Rent evidence
Existing leases, or an appraiser’s market rent opinion for vacant units, verify the rental income.
A deposit
Multi-unit properties usually require specific deposits, unless you live in one of the units yourself.
A credit history the lender can price
Standard across every route here.
Reserves
Lenders want to see funds left after closing, and more doors usually means more reserves.
An appraisal that handles multiple units
Not every appraiser does these well. It affects the timeline.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
Four units is the line
At five units, you leave residential lending and enter commercial terms. The difference is significant, so understand multifamily loan requirements before you start shopping around.
Living in one unit changes everything
An owner-occupied multi-family purchase lets you access special programs that regular investors cannot get. If you plan to live there, make sure to mention it early.
Existing tenants come with the building
Existing tenants, with their leases, security deposits, and any ongoing disputes, transfer directly to you. Always review these documents carefully before you commit, never after.
Nadeem Bhatti
Where we place multi-family loans
Maryland
Virginia
Washington DC
North Carolina
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What buyers ask about multi-family
How many units can I finance this way?
Up to four. At five or more, it becomes commercial lending with different terms and a different lender pool, often priced through commercial multifamily loans rather than standard residential financing.
Can I live in one of the units?
Yes, and doing so can open up owner-occupied financing options, including certain FHA multifamily loan programmes, that are not available to a pure investor purchase.
Does the rent from the other units help me qualify?
In many cases, yes. Existing leases or an appraiser’s market rent opinion can count toward your qualifying income, which is one of the appeals of multi-family investing over single-family rentals.
Can I buy it in an LLC?
Yes, LLC lending is standard on investment multi-family, though owner-occupied purchases typically need to close in your personal name.
Are the deposits and leases my problem?
Yes. Existing tenants, their deposits, and any lease terms transfer to you at closing, so it is worth reviewing everything carefully before you commit.
Get the building priced
Send us the address and the rent roll. We will price it across the lenders active on small multi-family, free.