Commercial & Multifamily Loans Built for Investors
Flexible capital up to $15M+ for 5+ unit apartments, mixed-use, retail, and industrial properties. Close complex commercial deals with no tax returns or DTI required.
Commercial Metrics Received!
Mitchell Dunn is reviewing your property value and operating cash flow metrics across 240+ wholesale lender matrices[cite: 98]. Expect a call shortly with exact loan options, terms, and leverage limits!
Understanding Commercial Loans
What Is Commercial & Multifamily Financing?
Commercial & Multifamily financing is an asset-based capital strategy tailored for real estate investors acquiring, refinancing, or repositioning 5+ unit apartment buildings, mixed-use properties, retail centers, warehouses, and self-storage facilities.
Instead of verifying tax returns or personal DTI ratios, lenders qualify deals based on property cash flow, net operating income (NOI), and debt yield, providing flexible capital without traditional banking friction.
Commercial Strategy: Income-Producing Assets + Non-QM Flexibility = Maximum Scalability.
Why Real Estate Investors Choose Commercial Financing
No Tax Returns or DTI
Qualification is based on property performance and net operating income (NOI), not personal income documents.
High-Leverage Capital
Access up to 80% LTV on purchases and up to 75% LTV on refinances with loan amounts scaling to $15M+.
No-DSCR Options Under $750K
Streamlined underwriting options available for smaller commercial assets with reduced paperwork.
Diverse Asset Classes
Finance 5+ unit apartment buildings, mixed-use properties, retail centers, warehouses, and self-storage.
Bridge to Permanent Terms
Choose between 12 to 36-month interest-only bridge options or long-term 25 and 30-year fixed mortgages.
Commercial Loan Eligibility
Check if your commercial asset or acquisition scenario qualifies for financing. A quick review helps verify leverage, property cash flow, and exit strategy with no obligation.
Eligible Property Types
5+ unit residential multifamily, mixed-use (51%+ residential), retail centers, warehouses, self-storage, and industrial assets.
Maximum Leverage
Funding available up to 80% LTV for purchases and up to 75% LTV for rate-term & cash-out refinances.
Flexible Loan Amounts
Loan amounts range from $100,000 to $15,000,000+, tailored for both small balance assets and commercial portfolios.
Credit Flexibility
Minimum credit scores starting as low as 600 FICO for experienced commercial real estate investors.
Cash Flow & Rent Roll
Underwritten using trailing 12-month operating statements, leases, or market rents — no personal debt-to-income (DTI) calculations.
Entity Vesting
Business-purpose loans closed in corporate entities including LLCs, Corporations, LPs, or Partnerships.
Frequently Asked Questions
Clear answers to help you navigate commercial & multifamily financing.
Q. What commercial property types are eligible for financing?
Eligible property types include 5+ unit residential multifamily apartment buildings, mixed-use properties (with a residential component), retail centers, warehouses, self-storage facilities, and light industrial assets.
Q. Do I need personal tax returns or W-2s to qualify?
No. Qualifications focus primarily on property performance, net operating income (NOI), rent rolls, and lease agreements rather than personal tax returns or personal debt-to-income (DTI) calculations.
Q. Is there a DSCR requirement, or are no-DSCR loans available?
Standard permanent loans typically require a DSCR between 1.15x and 1.25x based on property NOI. However, no-DSCR options are available for loan amounts up to $750,000, as well as interest-only bridge programs for value-add properties undergoing stabilization.
Q. What is the maximum loan amount and leverage (LTV) available?
Loan sizes range from $100,000 up to $15,000,000+. Maximum leverage is up to 80% LTV for purchases and up to 75% LTV for rate-and-term or cash-out refinances, depending on the asset class and underwriting tier.
Q. What loan terms and payment options do you offer?
We offer short-term bridge financing (12 to 36 months) with interest-only payment structures for quick acquisitions or rehab projects, as well as 25 and 30-year fixed permanent mortgages for long-term income properties.
Q. Can I close the loan under an LLC or business entity?
Yes. All commercial loans are business-purpose transactions and are closed under legal entities including LLCs, Corporations, LPs, or Partnerships.
Why Investors Work With Loan Factory
Loan Factory helps commercial real estate investors compare Commercial & Multifamily loan options across multiple wholesale lenders, ensuring optimal leverage, rates, and cash flow structures.
See which Commercial & Multifamily options fit your property investment.
A quick review shows how much financing you can unlock — up to 80% LTV, no tax returns, no DTI impact, and no obligation.