How To Get A Loan To Buy An Apartment Complex -

Many lenders, especially "Agency" lenders like Fannie Mae and Freddie Mac, prefer borrowers with at least 2 years of multifamily management experience .

Typically ranges from 20% to 30% . Some specialized programs, like HUD/FHA , may allow up to 85-87% leverage (down payment as low as 13-15%). how to get a loan to buy an apartment complex

Getting a loan for an apartment complex (multifamily real estate with 5+ units) is fundamentally different from a standard home mortgage. In 2026, lenders prioritize the over your personal income, often requiring a detailed analysis of the building's financial performance. Core Loan Requirements for 2026 Many lenders, especially "Agency" lenders like Fannie Mae

To qualify for most commercial multifamily loans, you will generally need to meet these criteria: Getting a loan for an apartment complex (multifamily

Lenders require the property's Net Operating Income (NOI) to exceed the annual debt service. Most expect a DSCR of 1.25x or higher .