Commercial
Apartment Financing in Orlando, FL
Looking for the best Apartment Financing in Orlando, FL? Our local team specializes in helping Orlando residents secure competitive financing. Whether you're buying in Downtown or Winter Park, we have the expertise to guide you.
Key Facts About Apartment Financing
CMRE commercial loans finance office, retail, industrial, and multifamily properties.
Commercial loans from CMRE range from $500,000 to $50 million.
CMRE commercial programs offer 5, 7, and 10-year fixed-rate terms.
Commercial loans at CMRE require a minimum DSCR of 1.25.
CMRE commercial lending covers acquisition, refinance, and construction.
CMRE Apartment Financing ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for Apartment Financing.
CMRE Apartment Financing closes in LLC, corporation, or trust names.
Program Benefits
Competitive interest rates starting at 8.5% to maximize your investment returns.
Financing available for a wide range of apartment building sizes and locations.
Benefit from higher loan-to-value ratios, up to 75%, to minimize your upfront capital.
Streamlined application process for quick approvals and efficient funding.
Expert guidance from experienced commercial real estate financing professionals.
Customized loan solutions tailored to your specific investment goals and property needs.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$500K - $10M+
Amortization Options
Eligible Properties
- Apartment Buildings
- Multi-Family Housing
- Mixed-Use Properties (with residential component)
Program Requirements
Income Documentation
- •Demonstrated history of consistent rental income from similar properties.
- •Detailed financial projections showcasing the property's income potential.
- •Personal and/or business tax returns to verify income stability.
Asset Verification
- •Sufficient liquid assets to cover closing costs and potential vacancies.
- •Verification of down payment funds and reserves.
- •Schedule of real estate owned, if applicable.
Insurance & Title
- •Comprehensive property insurance coverage to protect against potential losses.
- •Liability insurance to cover potential legal claims.
- •Flood insurance, if the property is located in a flood zone.
Property Requirements
- •Minimum FICO score of 640 or higher.
- •Satisfactory credit history with no major derogatory marks.
- •Demonstrated ability to manage debt responsibly.
Apartment Financing in Orlando: The Complete Guide
What Is Apartment Financing?
Apartment financing is a specialized type of commercial real estate loan used to purchase or refinance multi-family residential properties. Unlike single-family mortgages, apartment loans are often underwritten based on the property's income-generating potential, as well as the borrower's financial strength. Factors such as occupancy rates, rental income, and operating expenses play a crucial role in the loan approval process. Understanding these factors is key to securing favorable financing terms.
Qualifying for Apartment Financing
- •Underwritten on property income (DSCR) and borrower financial strength.
- •Typical DSCR requirement: 1.20x-1.25x (NOI / debt service).
- •2+ years business experience, adequate liquidity, acceptable credit.
- •CMRE commercial bank statement programs: qualify with 12-24 months statements instead of tax returns.
- •SBA programs (7(a), 504, Express) available for owner-occupied commercial with as low as 10% down.
Apartment Financing vs. Residential Lending
- •Commercial: underwritten on property cash flow. Residential: on borrower income.
- •Commercial terms: 5-10 year terms with 25-30 year amortization.
- •Commercial allows LLC/Corp entity vesting for asset protection.
- •CMRE offers both — our team determines the best structure for your situation.
Apply for Apartment Financing with CMRE
- •Step 1: Submit property details — type, location, price, NOI, business plan.
- •Step 2: CMRE provides preliminary terms within 48 hours.
- •Step 3: Application with financial statements, rent rolls, entity docs.
- •Step 4: Appraisal and environmental assessment.
- •Step 5: Underwriting in 2-4 weeks. Closing in 30-60 days.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Apartment Financing in Orlando, FL
Helping Orlando families finance their dream homes. Low down payment options and competitive rates. Custom Mortgage & Real Estate specializes in providing high-fidelity Apartment Financing solutions tailored to the unique economic landscape of Orlando and the surrounding Orange County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireOrlando metropolitan area.
Service Areas & Neighborhoods
Our Orlando Presence
Local Knowledge. Global Rates.
20 N Orange Ave
Orlando, FL 32801
Direct Line
877-976-5669Common Questions About Apartment Financing in Orlando
What are current Apartment Financing rates in Orlando, FL?
Apartment Financing rates in Orlando depend on loan amount, credit profile, and property type. CMRE publishes updated Orlando rate ranges daily and provides locked quotes within 24 hours of application.
How long does Apartment Financing closing take in Orlando?
CMRE typically closes Apartment Financing loans in Orlando within 21-30 days from application. Pre-approval takes 24 hours, and our FL-licensed team coordinates title, escrow, and appraisal concurrently to save time.
What commercial property types qualify in Orlando?
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in Orlando and throughout Orange County. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Does CMRE offer SBA loans in Orlando?
Yes. CMRE is an SBA Preferred Lender in Orlando. We offer SBA 7(a), 504, and Express loans for Orange County business owners purchasing or refinancing commercial real estate.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
Apartment loan terms typically range from 5 to 30 years, depending on the lender and the specific loan product. Shorter-term loans may offer lower interest rates but higher monthly payments, while longer-term loans provide more manageable payments but may result in higher overall interest costs.
Closing costs for apartment financing can vary depending on the loan amount, lender fees, and third-party services required. Common closing costs include appraisal fees, legal fees, title insurance, and loan origination fees. It's important to obtain a detailed breakdown of all closing costs before proceeding with the loan application.
Interest rates for apartment loans are typically determined based on several factors, including the borrower's credit score, the loan-to-value ratio, and prevailing market conditions. Lenders may also consider the property's location, condition, and income-generating potential when setting the interest rate.
CMRE Apartment Financing starts at $250,000. SBA may start lower. Max depends on property type — up to $50M.
Yes. Entity vesting is standard for commercial. Personal guarantee typically required.
Yes. CMRE commercial bank statement programs use 12-24 months statements instead of tax returns.
Typically 5-10 year terms with 25-30 year amortization. CMRE structures terms based on cash flow and exit strategy.
30-60 days depending on complexity. SBA: 45-90 days.
Apartment Financing by Location
Get local rates, loan limits, and market data for Apartment Financing in your area.
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Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
