Multifamily & Apartment Building Loans
Apartment financing that pencils.
Multifamily loans for apartment buildings of five or more units and mixed-use, underwritten on the property's net operating income — for purchases, refinances, and value-add repositioning.
Capco Capital is a commercial lending advisory firm that arranges financing as a loan broker, not a lender. Amounts, terms, and guidelines shown are general ranges that vary by lender, borrower, and (where applicable) property or collateral — they are not an offer or a commitment to lend.
Who it fits and how it works
Multifamily loans fit investors buying, stabilizing, or refinancing apartment buildings of five or more units and mixed-use property. Lenders underwrite the property's net operating income, so the rent roll, trailing operating statements, and leases drive the answer. Value-add deals often start on a bridge structure; stabilized buildings move to long-term financing. We match the property to multifamily programs in our lender network.
Why Multifamily
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
Investors buying, stabilizing, or refinancing apartment buildings and mixed-use property.
We arrange financing for businesses nationwide, except in California.
What lenders typically look for
General market ranges across the programs we place — not a quote, and not a promise of approval. Your specialist confirms what fits your file.
| Property | 5+ residential units or mixed-use |
|---|---|
| Leverage | Up to about 75% of value |
| Income | Net operating income that covers the debt |
| Typical terms | Bridge for value-add; long-term for stabilized property |
| Paperwork | Rent roll, trailing operating statements, leases, insurance |
| How fast | Bridge structures in two to four weeks; long-term loans commonly 45–90 days. |
How it works
The same five steps for every deal we place — including the parts other lenders gloss over.
Pre-qualify
Two minutes, no credit pull. You get an instant read on your options.
Consult & apply
Talk it through with one of our team members, then submit the full application for your specific loan type — guided the whole way.
Match & negotiate terms
We package your file and place it with the lenders most likely to approve your deal. Offers come back; we compare them side by side and negotiate structure and pricing. You choose — nothing moves without you.
Underwriting & documents
Link your bank or upload documents once. Lenders often request additional documentation in underwriting — normal on nearly every deal, and we quarterback each request so nothing stalls.
Close & fund
Final approval, e-signatures, and closing on a real timeline — working capital in days, property on schedule. Then the capital lands.
Documents you'll typically need
A starting checklist for multifamily loan — your specialist confirms the exact list for your funder.
- 01Signed applicationapplication
- 02Photo ID (owner)id
- 03Subject property address & detailsproperty
- 04Property insurance quote / binderproperty
- 05Entity docs (operating agreement, EIN letter)entity
- 062 months bank statements (reserves & cash to close)bank
- 07Rent roll & tenant leasesproperty
Industries we often advise on for Multifamily Loan
Where multifamily loan is one of the best-fit options for how the business earns.
Compare related options
Not sure this is the one? These are the structures owners most often weigh against it.
More on Multifamily Loan
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