Flexible multifamily loans for 5+ unit apartments. Finance acquisitions, refinancing, or DSCR multifamily deals with small-balance agency-style programs.
At REIF Loans, we specialize in financing multifamily properties with 5 or more units, providing investors with the capital, structure, and guidance to scale their portfolios.
Our apartment loan programs combine flexible underwriting, DSCR-based qualification, and competitive terms to support both seasoned and first-time multifamily investors.
Whether you’re refinancing an existing property, acquiring a new asset, or repositioning for higher yield, our team delivers clarity, speed, and confidence every step of the way.
A multifamily loan is a commercial real estate loan designed for apartment buildings or rental complexes with five or more units.
Unlike residential mortgages, these loans rely on property income and operating performance, not personal income.
Multifamily loans offer predictable income, strong leverage, and scalability. making them one of the most stable investment strategies in real estate.
Apartments generate consistent rental income across multiple tenants, reducing vacancy risk.
Loans are approved based on property cash flow, not personal tax returns or W-2s.
REIF Loans partners with lenders offering competitive small-balance programs that mirror Fannie Mae and Freddie Mac standards.
Finance acquisitions, refinances, or cash-out transactions for growth and portfolio optimization.
Access competitive interest rates structured for stabilized or transitioning assets.
Our DSCR multifamily programs simplify qualification by focusing on property income rather than borrower income.
DSCR = Net Operating Income divided by Annual Debt Service
A ratio of 1.25 or higher typically qualifies, meaning the property earns at least 25% more than its annual loan payments.
While programs vary by lender and property size, REIF Loans structures financing based on proven investment criteria.
We work with investors at every experience level to ensure clear, achievable financing plans.
Modeled after Fannie Mae and Freddie Mac programs, ideal for stabilized, income-producing assets.
Short-term financing to acquire or reposition a property before moving into a long-term DSCR structure.
Leverage built-up equity to reinvest, renovate, or expand your portfolio.
Finance properties combining residential units with retail or office components for diversified income.
Multifamily loans are based on property income and operating performance, while residential loans depend on personal income and credit.
Typically loans under $10 million, these programs feature streamlined underwriting and faster closings for smaller investors.
Yes. DSCR multifamily loans are ideal for investors who prefer property-based qualification rather than personal income verification.
Lenders typically require a rent roll, T-12 financials, property tax statements, and current lease data to verify income and expenses.
Multifamily loans are based on property income and operating performance, while residential loans depend on personal income and credit.
Whether you’re acquiring a new apartment building or refinancing an existing one, REIF Loans delivers customized multifamily financing solutions for long-term success.
Our team combines market knowledge, DSCR expertise, and transparent service to help investors maximize returns and grow their portfolios with confidence.
