How does ACP finance 5+ unit multifamily?
Through two structures: short-term bridge financing at 12–18 month terms for renovation and lease-up, at up to 75% LTV on purchase, and long-term financing for stabilized 5–9 unit properties at up to 70% LTV. A value-add variant covers up to 80% of purchase price plus 100% of rehab costs for experienced sponsors.
Multifamily Financing for 5+ Unit Properties
Acquire, refinance, renovate, or stabilize apartment and qualifying mixed-use properties with financing structured around the asset and business plan.
What multifamily programs does ACP offer?
Multifamily financing (5+ units) is available through two distinct structures depending on your timeline and the property’s stabilization status.
Short-Term Bridge
| Loan amounts | $250,000 – $2,000,000 |
| Term | 12–18 month terms, with extensions available |
| Maximum LTV | Up to 75% LTV purchase / 70% refinance / 65% cash-out refinance |
| Minimum credit score | 650 minimum credit score |
| Value-add option | Value-add variant available: up to 80% of purchase price plus 100% of rehab costs for experienced borrowers |
Long-Term (5–9 Units)
| Loan amounts | $150,000 – $1,500,000 |
| Term | 30-year term |
| Maximum LTV | Up to 70% LTV purchase/refinance, 65% cash-out |
| Minimum credit score | 700 minimum credit score |
Available Financing
- Purchase and refinance
- Bridge financing for renovation and lease-up, including qualifying mixed-use properties
- Long-term financing for stabilized 5–9 unit properties
- Portfolio-level structures for investors holding multiple properties
What We Review
Property location, value, renovation budget, rent roll, occupancy, operating history, borrower liquidity, experience, and exit strategy.
Programs are available nationwide, subject to underwriting and lender eligibility.
Multifamily Loan FAQ
What loan amounts are available for multifamily properties?
Short-term bridge financing ranges from $250,000 to $2,000,000. Long-term financing for 5–9 unit properties ranges from $150,000 to $1,500,000.
What's the difference between the short-term and long-term programs?
The short-term bridge program (12–18 months, with extensions available) is designed for acquisition, renovation, or value-add repositioning of 5+ unit properties. The long-term program (30-year term) is for stabilized 5–9 unit properties and requires a higher minimum credit score.
What LTV is available on multifamily financing?
Short-term bridge financing offers up to 75% LTV on purchase, 70% on refinance, and 65% on cash-out refinance. The long-term program offers up to 70% LTV on purchase and refinance, and 65% on cash-out.
Is renovation or rehab financing available?
Yes. A value-add variant of the short-term bridge program offers up to 80% of the purchase price plus 100% of rehab costs for experienced borrowers.
What credit score is required?
The short-term bridge program requires a minimum credit score of approximately 650; the long-term program requires approximately 700.
Request a Multifamily Loan Quote
Send the property address, unit count, current or projected rent roll, occupancy, requested loan amount, transaction type, and estimated credit score. I will review the opportunity and outline the available structure.
Steve Waller | ACP Real Estate Lending
[email protected] | 936-522-8951