Commercial Multifamily Loans

Are you a commercial real estate investor looking to invest in a multifamily property? You might find yourself needing a commercial multifamily loan to reach your goals. We’ll tell you everything you need to know about this type of financing and why it might make sense for your situation.

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What are Commercial Multifamily Loans?

A commercial loan for multifamily properties can either be a long-term or short-term loan. The funds can be used for buying, developing, or rehabilitating a multifamily real estate with more than five units.

Depending on the lender, you can get anywhere from $500,000 to tens of millions of dollars. Term rates, interest rates, down payment requirements, and loan limits also vary per the financing program.

Commercial Multifamily Loan Program


Commercial multifamily loans are generally categorized into these types: 

Government-backed loan –

This means that the commercial real estate multifamily loan is backed by or issued through the Federal Housing Agency and Fannie Mae, a government-sponsored entity. The latter offers a range of financing programs, including long-term financing, which is their most popular for stabilized properties because of the high 80 percent loan-to-value limit and a 30-year term. They also provide short-term programs, such as an adjustable five or seven-year loan, loans for mixed-use multifamily properties, and bridge loans. 

Conventional loan –

The commercial multifamily loans come from conventional lending institutions, such as credit unions and banks, but a non-bank lender can also provide it. It may be suitable for buying a low-value property. The term length varies per lender, usually from 5 to 10 years (but can go as long as 30 years). The interest rates are higher and can be variable or fixed. This loan requires a 20% minimum down payment. 

Private loan –

This refers to a commercial loan for multifamily properties from a private lender that provides hard money loans for short-term investments.

Commercial Multifamily Loan Rates

Commercial real estate multifamily loan rates will vary per lender, but they are usually dependent on the asset class, location, DSRC, leverage, and other factors. The best way to know is to contact reputable lenders for a quote and compare their offers.

It is also important to keep in mind that commercial multifamily loan rates change daily. Spreads depend on the lender and your preferred product, and their range is determined by factors like property class, type, and income.

Commercial Multifamily Loan Processes

A commercial loan for multifamily properties will provide the capital you may need to build or complete your project. You must be able to meet the terms to qualify for the loan. In general, you should be able to pay back the whole balance within one or two years after completing the project. If approved, you should be able to get your commercial multifamily loan funded within a few days.

Due diligence

Advantages of Commercial Multifamily Loan

A commercial multifamily loan from the right lender will offer flexibility on net operating income and physical occupancy requirements. Lenders may provide mezzanine loans and bridge loans that may aggregate up to 90 percent of the value of a property with cash flow issues.

Why choose Capital Investors Direct for a commercial multifamily loan?

Our goal is to make it easier for commercial property investors to secure the best loan for their projects. When we work with you, we make sure that you are getting a commercial multifamily loan tailored to your specific requirements or situation. Capital Investors Direct can provide custom commercial loans for multifamily properties when conventional banks and other lenders cannot fund your project.

When you choose us for your commercial real estate multifamily loan, you can expect a simplified application process, fast closing, and interest rates of as low as 7%. Contact us today to learn more.

Commercial Projects We Fund

Capital Investors Direct, provides access to investment capital for commercial real estate funding. Here’s a list of properties you can acquire with investment property loan:

Locations We Cover

Capital Investors Direct provides loan financing options in the following geographic locations of the United States:
– All 50 states and US Territories (Puerto Rico; US Virgin Islands)

– Top 200 MSA Tier I & Tier II Cities (population above 50,000; metropolitan areas; etc.)

Our US Locations

Why Choose us

Our list of happy clientele speaks for itself. We believe in a simple theory, listen to your customers, and go above and beyond to deliver. Together we bring years of expertise, market knowledge, and detailed insights about the right commercial real estate investment options. With a team that champions in their respective areas, we are committed to only deliver the best.

“With personalized service on our agenda, Capital Investors Direct is here to make your life easy”

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How It Works?


Step 1 - Fill the Form

Apply for a commercial property loan in 5 mins by filling the form

Step 2 - Get Approval

We will get back to you within 24 hrs with written disclosure of all loan terms

Step 3 - Loan Funded

Within days, the loan will be credited to your account

Start your commercial loan application today!

or Call Us At (800).348.8120

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11140 Rockville Pike
Suite 100 – 629
Rockville, MD 20852-3149
800.348.8120 (O)
301.231.5261 (F)

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11140 Rockville Pike
Suite 100 – 629
Rockville, MD 20852-3149
800.348.8120 (O)
301.231.5261 (F)

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11140 Rockville Pike
Suite 100 – 629
Rockville, MD 20852-3149
800.348.8120 (O)
301.231.5261 (F)

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