Multi-Family Mortgage Financing
Specialized financing for 5+ unit rental properties, apartment buildings, and multi-family investments across Canada, the U.S., and Mexico. We evaluate deals based on rental income potential using DSCR-based financing, not outdated bank formulas.
Strategy Call
Discuss your multi-family investment goals
Custom Solution
We structure the optimal financing package
Close & Scale
Get funded and grow your portfolio
Multi-Family Financing That Banks Can't Match
Traditional mortgage brokers struggle with properties exceeding four units, and commercial banks impose restrictive terms. We connect you with specialized lenders who understand multi-family investments.
Cash Flow Focus
We evaluate deals based on rental income potential and property cash flow, not outdated formulas or personal income limits.
Cross-Border Expertise
Seamless financing across Canada, USA, and Mexico with deep knowledge of each market's multi-family requirements.
Flexible Timelines
From 30-45 day bridge closings to 6-month CMHC programs, we match your timeline to the right financing solution.
DSCR-Based Financing
Qualify based on your property's debt service coverage ratio rather than personal income verification.
Higher Vacancy OK
While traditional banks require 85-90% occupancy, we work with lenders who finance properties with higher vacancy rates.
Portfolio Experience
Our team has personal multi-family investment experience-we understand the challenges and opportunities you face.
Ready to grow your multi-family portfolio?
Let's discuss your investment goals and find the right financing solution.
Complete Multi-Family Financing Solutions
From acquisition to permanent financing, we provide comprehensive solutions for every stage of your multi-family investment journey.
Purchase
Acquisition loans evaluated on rental income and market potential rather than restrictive bank formulas. Whether it's a 5-unit building or a 100+ unit complex, we structure financing that makes sense.
Discuss this financing optionWhat's Included
- Evaluated on rental income potential
- 5+ unit properties and apartment buildings
- Market-based underwriting approach
- Competitive rates for stabilized properties
- Flexible terms for value-add opportunities
What Our Clients Say
Questions About Multi-Family Financing
Everything you need to know about apartment building and multi-family loans. Can't find your answer? Book a call with our team.
Getting Started
Down payment requirements range from 5-35% depending on unit count, occupancy, rental income, and your experience level. CMHC-insured properties can go as low as 5% down, while conventional financing typically requires 20-35%.
Yes. While traditional banks often require 85-90% occupancy, we work with specialized lenders who will finance properties with higher vacancy rates if you demonstrate a solid lease-up strategy, strong market fundamentals, or plans to reposition the property.
Timeline varies by loan type: 45-90 days is standard for permanent financing, 30-45 days for bridge loans, and up to 6 months for CMHC programs due to their thorough review process. We'll give you a realistic timeline based on your specific situation.
Underwriting & Rates
Lenders focus on rental income and lease structures, occupancy rates, operating expenses, Net Operating Income (NOI), Debt Service Coverage Ratio (typically 1.20-1.30x minimum), property condition, market comparables, and owner experience.
The primary difference is evaluation method. Residential loans focus on your personal income and credit score. Multi-family loans focus on property cash flow, using NOI (Net Operating Income) and DSCR (Debt Service Coverage Ratio) as primary metrics.
Rates vary significantly: 3-8% for stabilized permanent financing with strong DSCR, and 7-12%+ for bridge loans depending on property condition and repositioning plans. CMHC and agency loans typically offer the lowest rates.
Loan Structure
DSCR (Debt Service Coverage Ratio) measures whether your property generates enough income to cover debt payments. A 1.25x DSCR means the property generates 25% more income than needed for debt service. Most lenders require 1.20-1.30x minimum.
Yes, portfolio or blanket mortgages allow you to consolidate multiple properties under one loan. This can simplify management, potentially improve terms, and make it easier to scale your portfolio.
With recourse loans, you're personally liable if the property doesn't cover the debt. Non-recourse loans limit liability to the property itself-if the property fails, the lender can only take the property, not your other assets. Non-recourse typically requires lower LTV and stronger properties.
Special Situations
Yes, we provide financing for multi-family properties across Canada, the USA, and Mexico. We understand the unique challenges of international investment including currency considerations, local regulations, and cross-border tax implications.
Yes, though requirements may be stricter. Strong financials, a viable business plan, and partnering with experienced property managers or consultants can help. Some programs are specifically designed for emerging investors.
Still have questions about your multi-family investment?
Talk to an Expert