Multifamily
Commercial Mortgages
and DSCR Loans

Purchase, refinance, or recapitalize multifamily properties with financing structured around your transaction and goals.

$250K to $150 Million in Financing

We deliver tailored financing solutions for apartment buildings, mixed-use developments, and multifamily portfolios—helping investors and property owners access the capital they need, fast.

Financing That Fits Your Goals

LEVERAGE

Flexible LTV options based on the property and borrower

INTEREST RATE

Competitive fixed and floating-rate options

AMORTIZATION

15-30 year, partial amortization or interest-only options

LOAN TERM

Short-and long-term financing options

DEBT SERVICE

DSCR requirements structured around the property and financing

RECOURSE

Non-recourse and other flexible credit structures

FINANCING PURPOSE

Acquisition, Refinance, Cash-Out, Recapitalization

LOAN AMOUNT

$250,000 to $150 Million

Explore Financing Options

Modern multifamily residential buildings

Why Choose RealDebt, Inc. for Your Multifamily Loan?

At RealDebt, we make commercial real estate financing simple. Whether you’re acquiring a new property or refinancing an existing asset, our team brings experience, personalized service, and a wide network of lending partners to find the best rates and terms for your investment.

COMPETITIVE RATES

We shop the market to secure industry-leading rates for your multifamily loan.

FLEXIBLE TERMS

Custom loan structures, including fixed, floating, and interest-only options.

STREAMLINED PROCESS

Our experts guide you through every step—from application to closing.

FAST APPROVALS

Get prequalified and close quickly, so you don’t miss out on opportunities.

Financing Solutions for Every Multifamily Need

Apartment buildings (5+ UNITS)
Mixed-use properties
Portfolio loans
Cash-out refinancing
Bridge loans

Explore Financing Options

Unlock the best in multifamily commercial real estate financing

Get a free, no-obligation quote today.

Our team will review your goals and provide custom financing options that fit your needs—so you can focus on growing your multifamily portfolio.

Explore Financing Options

Refinance Your Multifamily Property

Unlock better rates, improve cash flow, or access equity by refinancing with RealDebt, Inc. Common reasons to refinance include lowering monthly payments, shortening your loan term, or taking advantage of lower interest rates. Our team helps you compare options and avoid costly penalties, ensuring you get the most from your investment.

Transparent, Trusted, and Nationwide

We're committed to transparency and trust. RealDebt works with local and national lenders, giving you access to the best commercial mortgage products for your situation. Our expertise means faster closings and personalized support.

Looking for Other Programs?

We can help with the following programs:

HUD 223(f)
HUD 221(d)(4)
Freddie Mac SBL (Small Balance Loan)
Fannie Mae DUS (Delegated Underwriting & Servicing loan)
SBA Loan
Multifamily Accelerated Processing (MAP)
USDA Section 538

Frequently Asked Questions

We provide loan solutions for apartment buildings (5+ units), mixed-use properties, and multifamily portfolios. If you have a unique property type, reach out and we’ll discuss your options.
Our streamlined process can deliver prequalification quickly and close most loans within 30-45 days, depending on complexity and documentation.
Loan terms and rates vary based on property type, loan amount, and borrower profile. We work with a wide network of lenders to secure competitive, customized solutions for each client. Our role in the financing process is to work to get you the best loan for your situation and if rate is the primary point of driving value for your transaction we can focus on that.
Common requirements include property financials, rent rolls, organizational documents, and borrower financial statements. We’ll provide a detailed checklist to make the process smooth.
Yes—many clients use cash-out refinancing to access equity for property improvements, new acquisitions, or capital needs.
Some loans carry prepayment penalties or fees. We’ll explain all terms upfront so you can make the best decision for your investment goals. If prepayment fees need to be minimized or avoided for your transaction, we will work to locate approvals that satisfy your needs.
We offer a combination of deep market expertise, problem solving, and personalized service, allowing us to deliver fast, transparent results and access to a broad range of loan products.
Access to 1,000+ Local and National Lenders.
“No Hidden Fees Guarantee” or “Transparent Terms, No Surprises”

Market Expertise

We bring a depth of insight and experience in multifamily finance that spans every major market nationwide. Our skill set includes underwriting, structuring, and closing a wide range of transactions, from stabilized assets in established cities to value-add projects in emerging and tertiary markets.

This market familiarity comes from active involvement in all aspects of multifamily lending—conventional, FHA, and bridge financing alike. Investors working with us benefit from a comprehensive understanding of trends and market cycles, and a practical track record in delivering financing solutions tailored to the needs of multifamily owners and operators across the country.

Top reasons our clients trust us to handle their financing:

Market Knowledge

In today’s rapidly shifting commercial real estate landscape, having deep market knowledge is crucial to successfully navigating multifamily lending. With lenders’ appetites, underwriting standards, and deal structures evolving in response to economic shifts and regulatory changes, staying ahead means knowing not just who is lending, but also how to structure your financing for maximum flexibility and long-term value.

Our team continually tracks the latest trends in multifamily mortgage lending, including agency, bank, life company, and private capital sources, giving you a strategic edge whether you’re seeking to acquire, refinance, or reposition multifamily assets. If you’re looking for expert guidance in locating, structuring, and securing competitive multifamily financing, we combine real-time market intelligence with hands-on experience to help you close with confidence in any environment.