More doors, one loan and often better numbers.
Multi-family loans for two to four unit properties across Maryland, Virginia, Washington DC, North Carolina and Florida, from our office in Fulton, Maryland.
Small multi-family sits in a useful gap. It is still residential lending, but the rent from the other units can do a lot of the work.
Applications go out without your personal information attached. You decide who sees it in full.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
Multi-family is usually right if this is you
| YOUR SITUATION | WHY THIS LOAN FITS | GO TO |
|---|---|---|
| You want to live in one unit and rent the rest | House hacking. It can open up owner-occupied programmes on an income property | All purchase loans → |
| You want more rent from one purchase | Several doors under one roof is usually more efficient than several houses | DSCR loans → |
| You are buying in Baltimore or DC | Both markets have deep two to four unit stock | Where we lend → |
| You are moving up from single-family rentals | The natural next step, and the lending is still residential | Portfolio loans → |
| You want to hold it in a company | Standard on investment multi-family | LLC lending → |
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 that it becomes commercial lending, which is a different market entirely.
Rent evidence
Existing leases, or an appraiser’s market rent opinion for vacant units.
A deposit
More than a single-family home usually requires, unless you will live in one of the units.
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, you leave residential lending and enter commercial terms. The difference is significant and it is worth structuring around.
Living in one unit changes everything
Owner-occupied multi-family can access programmes an investor purchase cannot. If you might live there, say so early.
Existing tenants come with the building
Leases, deposits and any disputes transfer to you. Read them before you commit, not after.
Nadeem Bhatti
Where we place multi-family loans
Maryland
Virginia
Washington DC
North Carolina
Florida
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.
Can I live in one of the units?
Yes, and it can open up owner-occupied programmes that are considerably more favourable. Mention it at the first call.
Does the rent from the other units help me qualify?
Usually yes, in whole or in part. How much counts varies by programme and by lender.
Can I buy it in an LLC?
For an investment purchase, generally yes. If you intend to live there, the structure usually needs to be personal.
Are the deposits and leases my problem?
Once you own it, yes. Review every lease and deposit position before you go under contract.
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.