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REAL ESTATE
5+ Unit Properties
Multi-Family Loans
Financing for 5+ unit residential and mixed-use properties, structured around net operating income and long-term portfolio strategy.
At a Glance
Loan Amount
$10K – $350M
Max LTV
Up to 90%
Term
6 Mo – 35 Yrs
Min. DSCR
1.15x+
Time to Close
3 – 8 Working Days
——— Overview
Financing for larger residential assets
Multi-family loans finance apartment buildings, mixed-use properties, and other 5+ unit assets, underwritten primarily against the property’s net operating income rather than personal financials alone.
Trust Edge Ventures Ltd works with owners acquiring their first multi-family asset as well as experienced operators scaling a larger portfolio.
Key Features
- Financing for 5+ unit residential and mixed-use assets
- Underwriting based on net operating income (NOI)
- Fixed and adjustable rate structures available
- Portfolio and cross-collateralized loan options
- Available for acquisition, refinance, or value-add projects
Loan Terms
Loan Amount
$10K – $350M
Max LTV
90%
Rate Type
Fixed / ARM
Term Length
5–30 Yrs
Min. DSCR
1.15x
—— Is This Right For You?
Built for multi-family owners and operators
- Good fit if you
Are acquiring or refinancing a 5+ unit property
Have positive or improving net operating income
Are executing a value-add or renovation strategy
Are scaling a broader multi-family portfolio
- Consider another product if you
Are financing a 1–4 unit rental — see DSCR Loans
Need a short-term renovation loan for resale — see Fix and Flip
Are pulling equity from a property you already own — see Cash-Out Refinance
—— Process
From application to funding
1 ———————————————————
Submit Property Financials
Share rent roll, operating expenses, and property details.
2 —————————————————
Underwriting Review
We evaluate NOI, occupancy, and the broader deal.
3 ——————————————
Terms Issued
Receive your rate, LTV, and amortization schedule.
4 ——————————————
Close & Fund
Close on your timeline with full underwriting transparency.
——— Common Questions
Multi-Family Loans FAQ
What counts as a multi-family property?
Properties with five or more residential units, including mixed-use buildings with a residential component, qualify under this program.
Is this loan based on my personal income?
Underwriting is based primarily on the property’s net operating income and occupancy history, not personal income alone.
Can i refinance a value-add renovation?
Yes, value-add and renovation strategies are supported, with terms structured around the projected post-renovation NOI.
Do you offer portfolio loans across multiple properties?
Yes, cross-collateralized portfolio loans are available for owners with multiple multi-family assets.
——— Related Products
Explore other financing options
Real Estate
DSCR Loans
Qualify on property cash flow — no personal income verification.
——— Get Started
Check your rate in minutes.
No impact to your credit. Get matched with a DSCR
loan advisor and see your terms before you commit to anything.