Apartment Building Financing for Investors
Apartment building financing is a popular choice among real estate investors because of the many ways it can generate income and build long-term wealth. Whether you are purchasing your first duplex, scaling into a fourplex, or acquiring a larger multifamily complex, our loan programs are designed for the entrepreneur investor who needs flexible underwriting and fast closings.
At Rental Home Financing, we specialize in apartment building loans that do not rely on personal tax returns or traditional income documentation. We understand that most landlords write off expenses and may show a small or even a loss on business returns. All of our decisions are based on the LTV, credit score, loan size, net worth, and cash flow of the property.
Stated Income Programs
No W2s, no tax returns, no 4506s required. We qualify based on the property cash flow and your creditworthiness.
2-Unit to Large Complexes
Duplexes, triplexes, fourplexes, and larger multifamily buildings all qualify for our apartment financing programs.
Credit Flexible
Credit challenged investors can qualify. Past bankruptcy over 2 years is acceptable. We focus on the property, not just your score.
Types of Apartment Loans We Offer
The term "apartment loans" is a broad term that applies to multiple types of investment property financing options. Narrowing down the right loan option depends on your individual situation, property type, and investment goals. We offer several programs to match the needs of different multifamily investors.
Duplex Financing (2 Units)
Stated income loans for duplexes with no tax returns required. A great entry point for apartment building investors.
Triplex & Quadplex (3-4 Units)
Small multifamily financing with competitive rates. Ideal for building a portfolio of multi-unit investment properties.
Small Apartment Buildings (5+ Units)
Streamlined apartment building financing using stated income for properties with 5 or more units.
LLC Apartment Mortgages
Hold title in an LLC for liability protection and estate planning. We lend directly to your business entity.
Cash Out Refinance
Pull equity from your existing apartment building to fund new acquisitions, renovations, or portfolio expansion.
Portfolio Blanket Loans
Combine multiple apartment buildings under one blanket mortgage for simplified management and better terms.
Credit Challenged? You Can Still Buy an Apartment Building
Asset-Based Lending for All Credit Profiles
Buying a large commercial property with poor personal credit is not an easy task with traditional lenders. However, we focus on the property's income potential and your capital, not just your credit history. You can purchase a rental property such as an apartment building without perfect credit on your first property purchase.
There are no past personal credit limitations to acquiring a rental property as long as you have the capital to make the transaction happen. Past bankruptcy greater than 2 years is acceptable, and we offer programs starting at a 620 minimum credit score.
Some people are hesitant to buy an apartment building because they think they need a lot of money or perfect credit. That is not the case with us.
Requirements for Apartment Building Financing
Our apartment loan programs are designed for investors who want flexible underwriting without the burden of traditional income verification. Here is what you need to qualify.
Why Invest in Apartment Buildings?
Stable Income Stream
Apartment buildings generate reliable monthly income from multiple tenants. When one unit is vacant, the other units continue producing revenue, reducing your overall risk compared to single-family rentals.
Appreciation & Equity
Multifamily properties appreciate in value over time and build equity through principal paydown. You can leverage this equity for future acquisitions with a cash out refinance.
Economies of Scale
Managing one building with multiple units is more efficient than managing the same number of single-family homes spread across a city. Lower per-unit costs mean higher profit margins.
Owning an apartment building is one of the smartest investments you can make. Among other things, it offers the numerous benefits of owning a rental property while generating income from multiple tenants under one roof. To enjoy the full potential of purchasing your own apartment building, it matters just as much how you finance your purchase.
Ready to Finance Your Apartment Building?
Whether you are purchasing your first multifamily property or expanding an existing portfolio, our team of experienced professionals is ready to help. We offer competitive rates, fast closings, and underwriting that works for real investors.