What term lengths are available?

Three, five, seven or ten years, fixed or adjustable. Four different term options available is published as a benefit on the card, and the choice is how an owner matches the debt to the length of the hold.

What is the starting rate?

Rates run from 6.50% to 9.99% on the Non-QM tier on this card. Rates apply to qualified borrowers, are subject to change and are not a commitment to lend.

What does stabilized mean here?

The card describes the product as a long term loan on a stabilized multifamily property, meaning a building that is leased and operating rather than mid-renovation or mid-lease-up. A building still being repositioned is financed on a bridge structure until it stabilizes.

Should I use this or the rental portfolio loan?

This card secures one multifamily, condo or mixed-use asset. The rental portfolio loan secures a pool of five or more properties or units and includes SFR. Both publish up to 80% LTV and the same four term lengths, and both require landlord experience.

Is landlord experience required?

Yes. Landlord experience is required on this card and on the rental portfolio loan. The rental DSCR loan is the one rental product in the Loan Goat set that publishes first time investor OK.

Multifamily Term Loans up to 80% LTV

PERMANENT DEBT ON A STABILIZED BUILDING

High-rise tower framed by palms — MULTIFAMILY TERM LOANS RENTAL PROPERTY LOANS · FUNDED FROM SAN DIEGO

MULTIFAMILY TERM LOANS RENTAL PROPERTY LOANS · FUNDED FROM SAN DIEGO

Once a building is stabilized the job changes. The question is no longer how to take it down or how to fill it, it is how to put predictable debt on it for as long as the hold is going to run. That is what this card does: fixed or adjustable rates and predictable monthly payments over a set term, on multifamily, condo or mixed-use property.

The published rate runs from 6.50% to 9.99% on the Non-QM tier, and leverage is up to 80% LTV. Four term lengths are offered, 5, 7, 30 or 40 years fixed, and the choice is a real one: a shorter term keeps optionality when a sale or a repositioning is coming, a longer one buys certainty through a cycle.

Landlord experience is required and the credit floor is 620. The card describes the outcome in the client's own words: a long term loan on a stabilized multifamily property, competitive rates, quick closings, four different term options available and high LTV. Stabilized is the operative word. A building that still needs work is a bridge or a repositioning file until it is not.

Long-term financing used to purchase or refinance multifamily, condo, or mixed-use properties, offering fixed or adjustable rates and predictable monthly payments over a set term.
Loan Goat, on multifamily term loans

HOW IT DIFFERS FROM THE OTHER RENTAL PRODUCTS

The portfolio loan and this one share their term structure and their leverage; they differ in what they secure. This card finances one stabilized building. The portfolio loan finances a pool of five or more properties or units.

RENTAL PORTFOLIO LOANS
The same published terms across a pool of 5+ rentals, with SFR included.

FROM 6.50% TO 9.99% NON-QM · LTV 80% · 5, 7, 30 AND 40 YEAR FIXED
RENTAL DSCR LOANS
One residential rental on the same terms, qualified on DSCR, first time investors OK.

FROM 6.50% TO 9.99% NON-QM · LTV 80% · 5, 7, 30 AND 40 YEAR FIXED
MULTI-FAMILY LOANS
2 to 200 unit apartment buildings in metros of 250K+ population, on the commercial program at up to 70% LTV from 7.90%.

FROM 7.90% PRIVATE, 6.00% INSTITUTIONAL · LTV 70% · 1, 2, 3 AND 15 YEAR
SMALL BALANCE BRIDGE LOANS
The bridge before the term loan: up to 75% LTV over one or two years to $25,000,000 while the building stabilizes.

FROM 9.00% TO 13.00% · LTV 75% residential, 70% commercial · 1 OR 2 YEARS

RENTAL PROPERTY LOANS: PUBLISHED TERMS

Every figure below is the one printed on that product's live terms card. Rates and pricing are subject to change and are not a commitment to lend.

Published terms per product in this program
Product	Rates	LTV Up To	Terms
RENTAL DSCR LOANS	6.50% to 9.99% Non-QM	80%	5, 7, 30 and 40 year fixed
RENTAL PORTFOLIO LOANS	6.50% to 9.99% Non-QM	80%	5, 7, 30 and 40 year fixed
MULTIFAMILY TERM LOANS	6.50% to 9.99% Non-QM	80%	5, 7, 30 and 40 year fixed

Modern apartment building with wood-clad balconies

WHO IT IS FOR · 02

WHO THE MULTIFAMILY TERM LOAN IS FOR

Owners of a stabilized multifamily, condo or mixed-use asset who are buying it, refinancing out of bridge debt, or replacing a maturing loan, and who want a fixed payment over a defined horizon.

Minimum credit score 620
Multifamily, Condos, Mixed Use
Borrower experience: landlord experience required
Fixed or adjustable rates, predictable monthly payments
Up to 80% LTV, fixed terms of 5, 7, 30 or 40 years

Aerial view of the downtown Los Angeles skyline at night

OUR PROCESS · 03

HOW A MULTIFAMILY TERM LOAN CLOSES

The four steps, with the documentation step carrying the rent roll, the leases, the operating statements and the title work that a stabilized building brings with it.

Complete your application
Submit required documentation
Sign your Letter of Intent
We process and close your loan in 5-7 days

PROPERTY TYPES ON THIS PRODUCT

Three classes on the card. Retail, office and industrial are financed under the commercial loans program instead, at up to 70% LTV from 7.90%.

MULTIFAMILY TERM LOANS: QUESTIONS

Multifamily term files are written from San Diego for San Diego, Orange County and Los Angeles owners, and across the wider footprint. See where we lend.

MULTIFAMILY TERM LOANS