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Apartment Financing Mortgage Loans

Discover flexible apartment financing mortgage loans tailored for property investors. Our competitive rates and expert guidance simplify the process of securing funding for multi-unit residential properties. Whether you’re a first-time buyer or an experienced landlord, explore our diverse loan options designed to meet your unique investment goals. Learn about down payment requirements, terms, and eligibility criteria for apartment complex mortgages. Start building your real estate portfolio with our specialized apartment financing solutions today.
Apartment Financing Mortgage Loans Highlights
Apartment Financing Mortgage Loans Requirements

What are Apartment Financing Mortgage Loans

Apartment financing mortgage loans are specialized financial products designed to help investors and developers purchase or refinance multi-unit residential properties. These loans typically cater to properties with five or more units, including apartment buildings and multifamily complexes. They offer competitive interest rates, flexible terms, and can be tailored to suit both short-term and long-term investment strategies. Apartment financing options include conventional loans, FHA multifamily loans, and commercial loans, each with unique benefits and eligibility requirements. By securing an apartment financing mortgage loan, investors can leverage their capital, optimize cash flow, and expand their real estate portfolio efficiently.

At Custom Mortgage, all of our Apartment Financing services are backed by a team of specialists who have years of experience in the Apartment Financing industry.

How to Qualify for Apartment Financing?

Qualifying for apartment financing involves meeting specific financial criteria and demonstrating the ability to manage and repay the loan. Lenders typically require a strong credit score, often above 650, to assess creditworthiness. A stable income, evidenced by tax returns, W-2s, and recent pay stubs, is crucial to demonstrate financial stability. Additionally, lenders look for a low debt-to-income ratio, ideally below 40%, to ensure the borrower can manage monthly payments. Having a solid business plan and property management experience can also enhance your qualifications, showcasing your capability to generate income from the property. Lastly, a substantial down payment, usually 20-30% of the property’s value, is often necessary to secure favorable loan terms.

After checking the eligibility parameters and available options for commercial financing, you must choose the best loan program your needs. You can connect with our experts to discuss your requirements and decide that which commercial property finance program is best for your business needs.

Apartment Loans

apartment loansApartment loans for multifamily properties with five or more units can qualify for our many financing solutions. Available for refinance or purchase transactions, we have the loan programs to help fund your mortgage. We offer loans to owners and investors alike who are in the market for a commercial loan. Our general requirements are:
  • Apartments with 5+ units
  • 90% CLTV or less
  • 15-30 year loan terms
  • Fast and friendly loan process
We have some of the nation’s leading apartment loan programs such as Fannie Mae, Freddie Mac, HUD FHA insured, REITs, institutional investors providing custom mortgage solutions to meet your apartment financing needs.

Other Multifamily Loan Programs

Additional Apartment Financing Options

Multifamily Property Financing

multi family property loansMulti-family property have many definitions and we service all of them. Residential or mixed use properties composed of five or more dwellings is what we specialize in. We are excited to provide our clients the one of the most comprehensive multi-family/apartment loan program portfolios in the industry. We are able to provide nationwide loans for acquisitions, refinances, and new construction of apartment and multi-family properties. With fixed and adjustable options,amortized over 15, 20, 25, 30, 35 and 40 years, you can be sure that you have the apartment loan options you are looking for. Our Multi-family and apartment financing programs range 70-95% CLTV and DSCR on multi-family properties is 1.11% – 1.20%, some of the lowest in the industry!

Apartment loan programs can be Non-Recourse and Full Recourse depending on the application.  Fees vary depending on the loan amounts and borrower qualifications.  Apartment construction loans have up to 100% LTC options depending on the project details. Availability may vary depending on your loan complete loan scenario and qualifications.

Apartment Financing Mortgage Loans Loan Territories

StateCityCounty
ALBirminghamJefferson
ALHuntsvilleMadison
ALMobileMobile
ALMontgomeryMontgomery
ALTuscaloosaTuscaloosa
AKAnchorageAnchorage Borough
AKFairbanksFairbanks North Star
AZChandlerMaricopa
AZGilbertMaricopa
AZGlendaleMaricopa
AZMesaMaricopa
AZPeoriaMaricopa
AZPhoenixMaricopa
AZScottsdaleMaricopa
AZSurpriseMaricopa
AZTempeMaricopa
AZTucsonPima
AZYumaYuma
ARFort SmithSebastian
ARLittle RockPulaski
CAAgoura HillsLos Angeles
CAAnaheimOrange County
CAAntiochContra Costa
CABakersfieldKern
CABerkeleyAlameda County
CABeverly HillsLos Angeles
CABurbankLos Angeles
CACalabasasLos Angeles
CACarlsbadSan Diego
CACarsonLos Angeles
CAChicoButte
CAChula VistaSan Diego
CAClovisFresno
CAComptonLos Angeles
CAConcordContra Costa
CACoronaRiverside
CACoronadoSan Diego
CACosta MesaOrange County
CADaly CitySan Mateo
CADowneyLos Angeles
CAEl CajonSan Diego
CAEl MonteLos Angeles
CAElk GroveSacramento
CAEscondidoSan Diego
CAFairfieldSolano
CAFontanaSan Bernardino
CAFremontAlameda
CAFresnoFresno
CAFullertonOrange
CAGarden GroveOrange
CAGlendaleLos Angeles
CAHaywardAlameda
CAHuntington BeachOrange
CAInglewoodLos Angeles
CAIrvineOrange
CALagunaOrange
CALancasterLos Angeles
CALong BeachLos Angeles
CALos AngelesLos Angeles
CAMalibuLos Angeles
CAMarina Del ReyLos Angeles
CAMillbraeSan Mateo
CAMission ViejoOrange
CAModestoStranislaus
CAMoreno ValleyRiverside
CAMurrietaRiverside
CANewportOrange
CANorwalkLos Angeles
CAOaklandAlameda
CAOceansideSan Diego
CAOntarioSan Bernardino
CAOrangeOrange
CAOxnardVentura
CAPalmdaleLos Angeles
CAPasadenaLos Angeles
CAPomonaLos Angeles
CARancho CucamongaSan Bernardino
CARancho Palos VerdesLos Angeles
CARialtoSan Bernardino
CARichmondContra Costa
CARiversideRiverside
CARolling Hills EstatesLos Angeles
CARosevillePlacer
CASacramentoSacramento
CASalinasMonterey
CASan BernardinoSan Bernardino
CASan DiegoSan Diego
CASan FranciscoSan Francisco
CASan JoseSanta Clara
CASan MateoSan Mateo
CASanta AnaOrange
CASanta BarbaraSanta Barbara
CASanta ClaraSanta Clara
CASanta ClaritaLos Angeles
CASanta CruzSanta Cruz
CASanta MariaSanta Barbara
CASan MarinoLos Angeles
CASanta MonicaLos Angeles
CASanta RosaSonoma
CASausalitoMarin
CASimi ValleyVentura
CASolana BeachSolano
CASouth GateLos Angeles
CAStocktonSan Joaquin
CASunnyvaleSanta Clara
CATemeculaRiverside
CAThousand OaksVentura
CATorranceLos Angeles
CAVacavilleSolano
CAVallejoSolano
CAVenturaVentura
CAVictorvilleSan Bernardino
CAVisaliaTulare County
CAVistaSan Diego
CAWest CovinaLos Angeles
CAWestlake VillageLos Angeles
CAWestminsterOrange
COArvadaJefferson
COAuroraDouglas
COBoulderBoulder
COCentennialArapahoe
COColorado SpringsEl Paso
CODenverArapahoe
COFort CollinsLarimer
COGreeleyWeld
COLakewoodJefferson
COLongmontBoulder
COPuebloPueblo
COThorntonAdams
COWestminsterAdams
CTBridgeportFairfield
CTHartfordHartford
CTNew HavenNew Haven
CTStamfordFairfield
CTWaterburyNew Haven
DEDewey BeachSussex
DEDoverKent
DENewarkNew Castle
DEMiddletonNew Castle
DENorth StarNew Castle
DERehoboth BeachSussex
DEWilmingtonNew Castle
FLBoca RatonPalm Beach
FLCape CoralLee
FLClearwaterPinellas
FLCoral SpringsBroward
FLDavieBroward
FLFort LauderdaleBroward
FLGainesvilleAlachua
FLHialeahMiami-Dade
FLHollywoodBroward
FLJacksonvilleDuval
FLLakelandPolk
FLMiami BeachMiami-Dade
FLMiami GardensMiami-Dade
FLMiamiMiami-Dade
FLMiramarBroward
FLOcalaMarion
FLOrlandoOrange
FLPalm BayBrevard
FLPalm BeachPalm Beach
FLPembroke PinesBroward
FLPincrestMiami-Dade
FLPlantationBroward
FLPompano BeachBroward
FLPort Saint LucieSaint Lucie
FLSaint PetersburgPinellas
FLSunriseBroward
FLTallahasseeLeon
FLTampaHillsborough
FLWest Palm BeachPalm Beach
GAAthens-ClarkeClarke
GAAtlantaFulton
GAAugustaAugusta-Richmond
GAColumbusMuscogee
GARoswellFulton
GASandy SpringsFulton
GASavannahChatham
HIHonoluluHonolulu
IDBoiseAda
ILAuroraKane
ILChicagoCook
ILElginKane
ILJolietKendall
ILNapervilleDuPage
ILPeoriaPeoria
ILRockfordWinnebago
ILSpringfieldSangamon
ILWaukeganLake
INFort WayneAllen
INIndianapolisMarion
IACedar RapidsLinn
IADavenportPolk
IADes MoinesPolk
KSOverland ParkJohnson
KSWichitaSedgwick
KYLexingtonFayette
KYLouisvilleJefferson
LABaton RougeMarshall
LANew OrleansOrleans Parish
LAShreveportCaddo Parish
MEPortlandCumberland
MDBaltimoreBaltimore
MABostonSuffolk
MABrocktonPlymouth
MACambridgeMiddlesex
MAFall RiverBristol
MALowellMiddlesex
MALynnEssex
MANew BedfordBristol
MAQuincyNorfolk
MASpringfieldHampton
MAWorcesterWorcester
MIAnn ArborWashtenaw
MIDearbornWayne
MIDetroitWayne
MIFlintGenesee
MIGrand RapidsKent
MILansingIngham
MILivoniaWayne
MISterling HeightsMacomb
MIWarrenMacomb
MNMinneapolisHennepin
MNSaint PaulRamsey
MSJacksonHinds
MOKansas CityWyandotte
MOSpringfieldGreene
MOSaint LouisSaint Louis
MTBozemanGallatin
NELincolnLancaster
NEOmahaDouglas
NVHendersonClark
NVLas VegasClark
NVNorth Las VegasClark
NVRenoWashoe
NHManchesterHillsborough
NJElizabethUnion
NJJersey CityHudson
NJNewarkEssex
NJPatersonPassaic
NMAlbuquerqueBernalillo
NYAlbanyAlbany
NYBuffaloErie
NYNew YorkNew York
NYRochesterMonroe
NYYonkersWestchester
NCCaryChatham
NCCharlotteMecklenburg
NCDurhamDurham
NCFayettevilleCumberland
NCGreensboroGuilford
NCHigh PointGuilford
NCRaleighWake
NCWilmingtonNew Hanover
NCWinston-SalemForsyth
NDWillistonWilliams
OHAkronSummit
OHCincinnatiHamilton
OHClevelandCuyahoga
OHColumbusFranklin
OHDaytonMontgomery
OHToledoLucas
OKBroken ArrowTulsa
OKNormanCleveland
OKOklahoma CityOklamhoma
OKTulsaTulsa
ORBeavertonWashington
OREugeneLane
ORGreshamMultnomah
ORHillsboroWashington
ORPortlandMultnomah
ORSalemMarion
PAAllentownLehigh
PAErieErie
PAPhiladelphiaCentre
PAPittsburghAllenheny
RIProvidenceProvidence
SCCharlestonCharleston
SCNorth CharlestonBerkleley
SDSioux FallsMinnehaha
TNKnoxvilleKnox
TNMemphisShelby
TNMurfreesboroRutherford
TNNashvilleDavidson
TXAllenCollin
TXAmarilloPotter
TXArlingtonTarrant
TXAustinTravis
TXCarrolltonDallas
TXCorpus ChristiNueces
TXDallasDallas
TXDentonDenton
TXEl PasoEl Paso
TXFort WorthTarrant
TXFriscoCollin
TXGarlandDallas
TXGrand PrairieDallas
TXHoustonHarris
TXIrvingDallas
TXLaredoWebb
TXMcKinneyCollin
TXMesquiteDallas
TXPlanoCollin
TXRichardsonDallas
TXSan AntonioBexar
UTSalt Lake CitySalt Lake
VTBurlingtonAlamance
VAAlexandriaFairfax
VAChesapeakeChesapeake
VAHamptonElizabeth City
VANewport NewsWarwick
VANorfolkNorfolk
VAPortsmouthPortsmouth
VARichmondChesterfield
VARoanokeRoanoke
VAVirginia BeachVirgina Beach
WABellevueKing
WAEverettSnohomish
WAFederal WayKing
WAKentKing
WARentonKing
WASeattleKing
WASpokane ValleySpokane
WASpokaneSpokane
WATacomaPierce
WAVancouverClark
WAWashington, D.C.Washington
WAYakimaFerguson
WVCharlestonKanawha
WIGreen BayBrown
WIKenoshaKenosha
WIMadisonDane
WIMilwaukeeMilwaukee
WYGilletteCampbell