Multifamily Loans in Texas — 5 Units and Up
Apartment financing with stated income options — no W-2s, no tax returns required
Why Texas Apartment Investors Choose Us
Stated Income OK
Qualify on DSCR (rent rolls + lease agreements) — not personal tax returns.
Rates From 6%
Fixed and adjustable rates for stabilized multifamily across all Texas markets.
Up to 80% LTV
High leverage financing for acquisitions and refinances on proven assets.
5–500+ Units
From small 5-plex to large apartment communities — all sized welcome.
Multifamily Loan Terms
| Feature | Details |
|---|---|
| Loan Amounts | $250K – $50M+ |
| Units | 5+ units (2–4 unit residential rules differ) |
| LTV | Up to 80% on stabilized / 70% value-add |
| Rates | From 6.00% fixed |
| Amortization | Up to 30 years |
| DSCR Requirement | 1.20x minimum (lower case-by-case) |
| Income Doc | Rent rolls + leases (no personal income docs) |
| Occupancy | 85%+ preferred (lower occupancy programs available) |
Multifamily Loan Types We Offer
Purchase Financing
Up to 80% LTV on stabilized Texas apartment acquisitions.
Rate & Term Refinance
Lower your rate or extend your term on existing multifamily debt.
Cash-Out Refinance
Pull equity from appreciated multifamily assets to fund your next deal.
Value-Add Bridge
Short-term financing for repositioning or renovation projects.
Construction to Perm
One-close construction loans that convert to permanent financing.
Portfolio Loans
Blanket loans across multiple apartment properties under one note.
Who Qualifies
- Self-employed investors with complex tax returns
- LLCs, LPs, and corporations — entity ownership OK
- Foreign nationals investing in Texas multifamily
- First-time apartment buyers with strong DSCR
- Experienced operators with 10+ unit portfolios
- Developers transitioning from construction to permanent financing
Finance Your Texas Apartment Property
Same-day pre-approval available. No obligation quote in minutes.