Commercial
Multifamily Loans in San Francisco, CA
Looking for the best Multifamily Loans in San Francisco, CA? Our local team specializes in helping San Francisco residents secure competitive financing. Whether you're buying in SOMA or Mission District, we have the expertise to guide you.
Key Facts About Multifamily Loans
CMRE Multifamily Loans ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for Multifamily Loans.
CMRE Multifamily Loans closes in LLC, corporation, or trust names.
CMRE commercial lending covers office, retail, industrial, and multifamily.
CMRE Multifamily Loans ranges $250K to $50M.
CMRE commercial bank statement programs for Multifamily Loans.
CMRE Multifamily Loans closes in LLC/Corp/Trust.
CMRE commercial covers office, retail, industrial, multifamily.
Program Benefits
Competitive interest rates starting at 8.5% to maximize your investment returns.
Financing available for property acquisition, refinancing, and improvements.
Expert guidance from CMRE's experienced commercial lending team.
Flexible loan terms to suit your specific investment goals and cash flow needs.
Build long-term wealth and generate passive income through multifamily real estate.
Expand your real estate portfolio with confidence and ease.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$500K - $10M+
Amortization Options
Eligible Properties
- Apartment Buildings
- Condominium Complexes
- Mixed-Use Buildings
- Townhouse Communities
Program Requirements
Income Documentation
- •Demonstrable rental income from existing properties or projected income from the target property.
- •Sufficient personal income to cover loan payments and other financial obligations.
- •Stable income history with a proven track record of financial responsibility.
- •Clear documentation of all income sources, including tax returns and bank statements.
Asset Verification
- •Sufficient liquid assets to cover the down payment, closing costs, and initial operating expenses.
- •A strong balance sheet demonstrating financial stability and the ability to manage debt.
- •Verification of all assets, including bank statements, investment accounts, and real estate holdings.
- •Assets may be reviewed to ensure liquidity and accessibility.
Insurance & Title
- •Comprehensive property insurance to protect against potential losses due to fire, natural disasters, or other hazards.
- •Liability insurance to cover potential claims from tenants or visitors.
- •Flood insurance if the property is located in a designated flood zone.
- •Proof of insurance coverage must be provided prior to loan approval and maintained throughout the loan term.
Property Requirements
- •Minimum FICO score of 640 to demonstrate creditworthiness.
- •A clean credit history with no major derogatory marks, such as bankruptcies or foreclosures.
- •Low debt-to-income ratio to ensure the ability to manage loan payments.
- •Review of credit report to assess overall credit risk.
Multifamily Loans in San Francisco: The Complete Guide
What Is Multifamily Loans?
Multifamily loans are commercial mortgages specifically designed for financing properties with five or more residential units. These loans are used by investors and developers to purchase, refinance, or renovate apartment buildings, townhome communities, and other multi-unit properties. Understanding the nuances of these loans is crucial for making informed investment decisions.
Qualifying for Multifamily Loans
- •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.
Multifamily Loans 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 Multifamily Loans 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 →Multifamily Loans in San Francisco, CA
San Francisco mortgage loans with competitive rates. CMRE serves all SF neighborhoods from SOMA to Pacific Heights. Custom Mortgage & Real Estate specializes in providing high-fidelity Multifamily Loans solutions tailored to the unique economic landscape of San Francisco and the surrounding San Francisco County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireSan Francisco metropolitan area.
Service Areas & Neighborhoods
Our San Francisco Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Common Questions About Multifamily Loans in San Francisco
What are current Multifamily Loans rates in San Francisco, CA?
Multifamily Loans rates in San Francisco depend on loan amount, credit profile, and property type. CMRE publishes updated San Francisco rate ranges daily and provides locked quotes within 24 hours of application.
How long does Multifamily Loans closing take in San Francisco?
CMRE typically closes Multifamily Loans loans in San Francisco within 21-30 days from application. Pre-approval takes 24 hours, and our CA-licensed team coordinates title, escrow, and appraisal concurrently to save time.
What commercial property types qualify in San Francisco?
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in San Francisco and throughout San Francisco County. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Does CMRE offer SBA loans in San Francisco?
Yes. CMRE is an SBA Preferred Lender in San Francisco. We offer SBA 7(a), 504, and Express loans for San Francisco 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
Multifamily loan terms typically range from 5 to 30 years, depending on the lender and the borrower's needs. Shorter terms may offer lower interest rates, while longer terms can provide lower monthly payments.
Several factors can affect the interest rate on a multifamily loan, including the borrower's credit score, the loan-to-value ratio, the property's location, and current market conditions. A lower risk profile typically results in a more favorable interest rate.
Yes, multifamily loans can be used to refinance existing properties. Refinancing can help you lower your interest rate, shorten your loan term, or access equity for property improvements or other investments.
CMRE Multifamily Loans 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.
Multifamily Loans by Location
Get local rates, loan limits, and market data for Multifamily Loans in your area.
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View county-level market data, loan limits, and mortgage rates on our territory pages.
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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."
