For more than 40 years, Market Capital Lending has helped investors finance apartment buildings and multifamily properties — part of the $375 million+ we've funded across our history. We've structured deals for owners from metro Atlanta to markets nationwide across 46 states, from small buildings to large portfolios. It's an asset class we understand at every scale. And as a veteran-owned business, we bring the same standard to every file: honest advice, hard advocacy for your deal, and treatment that puts you first. Below, here's how multifamily financing works — and how we can help you fund your next property.
What multifamily financing covers
Once a residential property crosses five units, it's no longer a residential loan — it's a commercial asset. That means commercial underwriting, commercial lenders, and a different set of financing options than you'd find in the residential market. We work with a network of banks, private lenders, and agency sources (including Fannie Mae, Freddie Mac, and FHA/HUD products for larger deals) to match each property to the right lender — whether that's a small apartment building, a mixed-use property with a residential component, or a large multifamily portfolio.
Who it's for
Multifamily is one of the most consistent categories in commercial real estate investing — rental demand doesn't disappear, and the right financing structure can be the difference between a deal that cash flows and one that doesn't. It's a strong fit for investors building long-term rental income, owners refinancing or pulling cash out of an existing complex, and buyers scaling from a single building toward a portfolio. If you're weighing a shorter-term hold or a value-add play, our bridge loans and commercial real estate loans may pair well with a multifamily strategy.
How lenders size the loan
Multifamily underwriting leans heavily on the property's income — specifically the debt service coverage ratio (DSCR) and net operating income (NOI) relative to the loan amount. Lenders also weigh the property's condition, occupancy, location, and your experience managing similar assets. We review the full picture and identify the lenders most likely to fund your deal at terms that actually make sense. For a plain-English walkthrough of the options and requirements, see our guide on how to finance a multifamily property. (Rates, approval, and terms vary by property, credit, and underwriting.)
Why investors choose Market Capital Lending
We're a broker, which means we're not boxed in by one bank's appetite. With a network of 40–50 lenders, we can place a deal that a single bank passed on — a real advantage when a property is a little outside conventional guidelines or you need to move quickly. Add 40+ years of experience, $375M+ funded, and a veteran-owned commitment to advocacy, and you get a partner who treats your deal like it matters. When you're ready, start your application or talk to our team.
Multifamily financing in your market
We fund multifamily deals in 46 states, but most of our business is in Georgia, Alabama, and Florida — especially the markets within about an hour of our Loganville office. Searching locally? See multifamily financing in Atlanta, in Alpharetta, or commercial financing across Georgia.
Bank, Agency, CMBS and Bridge Multifamily Financing
The right apartment loan depends on size, occupancy, condition, leverage, and ownership plan. Stabilized properties may fit bank, Fannie Mae, Freddie Mac, life-company, or CMBS financing. A value-add or renovation property may need bridge debt first. Non-recourse options are available in some programs but include standard carve-outs and transaction-specific requirements.
Related: Fannie Mae multifamily loans, Freddie Mac small-balance loans, non-recourse multifamily loans, and CMBS loans.
Frequently asked questions
What counts as a multifamily property?
Any residential rental property with five or more units. Below five units it's generally financed as residential; at five and above it's treated as a commercial asset with commercial underwriting.
How do lenders decide how much I can borrow?
Primarily on the property's income — the debt service coverage ratio and net operating income relative to the loan. Condition, occupancy, location, and your management experience factor in too.
Can I finance a mixed-use building?
Yes. Properties with a residential component — apartments over retail, for example — are common in multifamily lending, and we match them to lenders comfortable with that structure.
Do I need prior experience owning apartments?
It helps, and lenders will look at your track record managing similar assets, but it isn't an automatic disqualifier. A strong property and solid numbers carry a lot of weight.
How large of a deal can you finance?
From roughly $300,000 up into the millions — 10-unit buildings to 200-unit complexes — and for very large requests we have partners handling deals well into eight figures.
Do you only lend in Georgia?
No — we arrange multifamily financing in 46 states. Most of our clients are in Georgia, Alabama, and Florida, with a concentration in the metro-Atlanta and Loganville-area markets.