(516) 336-9293 Apply Now
Multifamily Loan Program

Multifamily 5+ Unit Loans

Bridge and acquisition financing for 5+ unit apartment buildings. Vacant or distressed properties welcome. Same-day commitment, close in 14–21 days — when banks take 90+ days, we deliver.

5+ Unit BuildingsVacant OKValue-Add DealsBridge FinancingNo Income DocsClose in 14–21 Days
Get a Same-Day Term Sheet 📞 (516) 336-9293
Loan Terms at a Glance

Multifamily 5+ Unit Loans — Program Details

Loan Amount
$100K–$5M+
No formal upper limit
Interest Rate
From 9.5%
Interest-only available
Loan Term
12–36 Months
Bridge or term financing
Max LTV
Up to 75%
As-is or as-stabilized
Min Units
5+ Units
Residential multifamily
Vacancies
Allowed
No minimum occupancy
Income Docs
None
Asset-based underwriting
Min FICO
660
Credit score minimum
Use of Proceeds
Acquisition, Refi
Cash-out available
Close Time
14–21 Days
Typical timeline

Who This Loan Is For

  • Investors acquiring stabilized apartment buildings
  • Value-add buyers targeting distressed or vacant multifamily
  • Investors completing cash-out refinances on existing portfolios
  • Portfolio builders bridging to permanent agency debt
  • Experienced investors with multiple properties

How It Works — 5 Steps

1

Submit Deal Details

Property address, unit count, occupancy, current rents (or market rent for vacant), purchase price or current value, and your loan purpose.

2

Same-Day Indication

We provide a preliminary term indication the same day we receive a complete package — no multi-week processing delays.

3

Appraisal & Underwriting

A commercial appraisal is ordered. We underwrite on property value and income potential, not your personal income.

4

Commitment Letter

Upon appraisal receipt, we issue a formal commitment letter and coordinate title, survey, and environmental (if required).

5

Close & Fund

Most multifamily loans close in 14–21 days — significantly faster than any bank or agency lender.

$180B
US Multifamily Sales
Total 2024 transaction volume — massive market
94.5%
NYC Occupancy Rate
NYC 5+ unit apartments 2025 — near historic high
12.4%
Value-Add Cap Rate
Average NYC outer boroughs 2025
$2,400
Avg Rent Per Unit
NYC multifamily average monthly rent per unit
What Investors Say

Why Investors Choose Sab Tera First

★★★★★

"I bought a distressed 8-unit in Queens at auction. Sab Tera funded a multifamily bridge loan in 11 days. No bank would touch a building that vacant and distressed. Their team understood the value-add story immediately and committed same day. Now 100% occupied and cash-flowing."

JC
James C.
Multifamily Investor — Queens, NY
★★★★★

"6-unit building, 2 years vacant, needed full renovation. Sab Tera funded it in 13 days. No income verification, no bank bureaucracy — just a fast, professional team that understood what I was trying to accomplish. My permanent lender for multifamily on Long Island."

AR
Anthony R.
Apartment Investor — Freeport, Long Island
★★★★★

"12-unit apartment building in Tampa, partially vacant. Funded in 16 days. Now fully occupied and cash-flowing well above my projections. Sab Tera understood the thesis immediately and delivered without hesitation. That's what serious multifamily investors need."

MJ
Michael J.
Value-Add Investor — Tampa, FL
Investor Guide

Multifamily Bridge Loans — What Investors Need to Know

Sab Tera Lending provides bridge and acquisition financing for multifamily properties with 5 or more residential units across our full footprint — New York, New Jersey, Florida, Texas, and all nine states we serve.

Value-Add Multifamily Strategy

Our most common multifamily loan scenario: an investor acquires a building with below-market rents, deferred maintenance, or high vacancy. We fund the acquisition at up to 75% of as-is value. The investor stabilizes the property — renovating units, bringing rents to market, reducing vacancy. They then refinance into agency permanent debt. Our bridge loan bridges the gap between acquisition and stabilization.

Vacant and Distressed Properties

We have no minimum occupancy requirement. We regularly fund multifamily acquisitions with 0% occupancy, using market rent from the appraisal. This is a critical advantage over banks and agency lenders who require 85%+ occupancy before funding.

How Multifamily Loans Differ from Residential DSCR

Properties with 1–4 residential units fall under our DSCR rental loan program. Properties with 5+ units are classified as commercial real estate and use our multifamily loan program with different underwriting, documentation, and terms.

Common Questions

Frequently Asked Questions

Any residential building with 5 or more units — garden-style apartments, mid-rise buildings, purpose-built multifamily, and mixed-use buildings with a majority residential component. Properties with 1–4 units qualify for our DSCR rental loan program instead.
Yes. We have no minimum occupancy requirement. For vacant buildings, we use market rent from the appraisal to underwrite the loan. This is one of our most valuable advantages over conventional and agency lenders.
We have no formal upper cap. Loan amounts are driven by the property value and LTV needs. We regularly fund multifamily loans from $500,000 to $3,000,000+ in high-value markets like New York and Florida.
Yes — value-add multifamily is one of our core deal types. We fund the acquisition and, where applicable, initial renovation costs. The bridge loan gives investors time to stabilize the property before refinancing into permanent financing.
Our DSCR rental loans are 30-year fixed-rate permanent loans for stabilized 1–4 unit properties. Our multifamily bridge loans are short-term (12–36 months) for 5+ unit properties — typically used to bridge from acquisition to stabilization to permanent financing.
View All FAQs →
Other Programs

Explore More Financing Options

Loan Program

Fix & Flip Loans

Short-term rehab financing for 1–4 unit properties.

View Program →
 Loan Program

DSCR Rental Loans

30-year financing for stabilized 1–4 unit rentals.

View Program →
 Loan Program

Commercial RE Loans

Mixed-use, retail, office, and commercial properties.

View Program →

Fund Your Multifamily Acquisition Today

Same-day term sheet · Close in 14–21 days · No income verification · Vacant properties welcome

Apply Now — It's Free 📞 (516) 336-9293