Invest in Multi-Family Properties

Multi-Family 2-4 Unit

Unlock tailored financing solutions for your 2 to 4-unit investment properties. Our investor-focused approach ensures flexible terms and quick approvals to help you achieve your real estate goals. Complete the form below, and our lending experts will reach out to discuss your project.

Up to

6.25%

Rates from*

Up to

80%

LTV

As fast as

10-22

Day close

Flexible

30, 40yr

I/O option

Multi-Family 2-4 Unit

Why Choose Our Multi-Family 2-4 Unit Loans?

We provide specialized lending solutions for investors looking to grow their portfolios with multi-family properties. Designed for real estate professionals focused on rental income or value-add investments, our loans combine competitive rates, flexible terms, and a streamlined approval process. Our investor-focused approach ensures you receive reliable, hassle-free financing that helps you maximize returns while expanding your property holdings.

Apply Now!

Are you purchasing, refinancing, or cashing out?*

Tell us what type of financing strategy you are looking for

Refinancing
Purchasing
Cashing Out
Home Equity Line

Investment property, or home you plan on living in?*

Investment Property
Owner Occupied

What is the property address?*

Depending on location we may have specific programs

Street Address

City

State

What's the purchase price or refinance amount?

Our minimum loan amount is $75,000 up to $20,000,000

$

How is your credit?*

We do not lend on credit scores below 660

Below 619 (Conditional Lending)
620 - 659
660-739
740+

Legal first and last name of the primary borrower?*

Your identity will be protected. No spam

First Name

Last Name

What is your email address?*

Your email address will be protected. No Spam

Mobile phone number?*

Your phone number will be protected. No Spam

Application Received

Thank you. One of our lending experts will reach out shortly to discuss your scenario and next steps.

949-738-9770
1 of 8

Notice:By providing your name and contact information you are expressly consenting to receive communications from Cap Rate Funding, Cap Rate Funding agents, or affiliated partners which may include phone calls (including to any wireless number that you provide) including automatic telephone dialing systems or by artificial/pre-recorded messages text message and/or emails for the purpose of marketing Mortgage products and services. By providing your information, you understand that your consent is not a condition of the purchase of any product or services, and carrier messaging and data rates may apply. You may revoke this consent at any time by calling us at 949-738-9770 or by emailing us at chase@lowerrefinancerate.com to be placed on our do-not-call list.

By clicking Submit:I Consent to Receive SMS Notification, Alerts & Occasional Marketing Communication from Cap Rate Funding, Message frequency varies. Message & data rates may apply. Text HELP to 949-738-9770 for assistance. You can reply STOP to unsubscribe at any time.

Tailored for Real Estate Investors

Are We a Good Fit?

Our Multi-Family loans, structured as DSCR products, provide flexible financing for investors looking to acquire or refinance 2 to 50-unit residential properties. To qualify, you’ll need:

Experience

First time home buyer allowed

Credit Score

Minimum of 680

Liquidity/Reserves

20% down payment with 1–3 months of reserves.

Property Type

SFR, Condo, Townhome, 2–4 Units

Additional Requirements

Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option, Rural Allowed

Key Loan Terms for Real Estate Investors

MF Loan Highlights

Transparent and Investor-Focused Loan Terms

Product TypeMulti Family 2-4 Unit
Experience Required:First time home buyer allowed
Minimum Credit Score:680
Liquidity:20% Down
Reserves:1-3mo. Reserves
Prepayment Penalty:Optional
Closing Timeline:10 to 22 Days
Draw Schedule:N/A
Rate:6.25%
Loan-to-Value LTV:80%
Loan-to-Cost (LTC):N/A
Loan Term:30, 40 Yr or Interest Only
Asset Types:SFR, Condo, Townhome, 2–4 Units
Loan Amount Min:$100k
Loan Amount Max:$5M
Product Specifics:Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option, Rural Allowed
Number of Units:2 to 4 Units

Your Trusted Partner in Real Estate Lending

img_2.png
Accessible Entry:

First-time home buyers can qualify with no prior experience.

Flexible Financing:

Choose from 30, 40-year, or interest-only loan terms.

Rural Ready:

Eligible for rural properties with no seasoning required.

Quick Closings:

Get approved and funded in as little as 10 to 22 days.

Where We Lend

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.

Meet The Leader

Fast. Flexible. Funded.

With direct access to a network of over 100 lenders, I deliver fast, flexible, and creative financing solutions tailored to meet complex real estate needs. As a mortgage broker specializing in Bridge Loans, DSCR (Debt Service Coverage Ratio) loans, and Hard Money financing, I work with investors, developers, and business owners to secure funding when timing and structure are critical.

Whether you’re flipping a property, building a portfolio, or need short-term capital fast, I bring the market expertise, lender relationships, and deal-making agility to get it done — even when banks say no.

Fast closings. Minimal red tape. Maximum results.

Recently Funded Deals

Deal Type Address Loan Amount
Hard Money 1425 S Beacon St, San Pedro Ca 90731 $433,000
Commercial 43-45 W. Main Street, Merced, Ca 95340 $200,000
DSCR 1570 S Irving St, Denver, Co 80219-4634 $200,000
DSCR 36 King St, Denver, Co 80219 $290,000
Hard Money 1378 Underwood Ave, San Francisco Ca 94124 $375,000
DSCR 4672 N 30th Drive, Phoenix, AZ 85017 $243,750
Profit and Loss Loan 188 Main St, Cedarville, NJ 08311 $175,000
DSCR 2255 N Springland Ave, Boise, ID 83709 $375,000
DSCR 919 Hepburn Ave, Lehigh Acres, FL 33974 $240,800
DSCR 9 N 16th St, Del Haven, NJ 08251 $266,250
Scroll to Top