Commercial Real Estate

Multifamily Term

Permanent debt for stabilized 5+ unit multifamily properties.

At a Glance

Funding Amount $500,000 - $50,000,000+

Term 5 - 30 Year terms

Overview

The Angel Funding Advantage

When your apartment complex is fully renovated, highly occupied, and generating strong cash flow, it's time to lock in long-term wealth. Multifamily Term loans represent the cheapest, most favorable capital in the commercial real estate ecosystem.

We broker access to the nation's premier agency lenders (Fannie Mae and Freddie Mac), as well as CMBS, life insurance companies, and aggressive balance-sheet lenders.

Agency and Non-Agency options
Non-recourse lending

The Process

How It Works

A streamlined, transparent process designed to get capital into your hands.

Financial Submission

Provide the T12, rent roll, and sponsor personal financial statements (PFS).

Debt Structuring

We source quotes across Agency (Fannie/Freddie) and Non-Agency lenders to find the optimal terms.

Underwriting & Diligence

Complete formal underwriting, appraisal, environmental, and structural engineering reports.

Closing & Securitization

Our advisors handle this step for you and keep you informed at every stage.

Who Qualifies?

Stabilized properties with 5+ units and roughly two years of operating history
Debt Service Coverage Ratio (DSCR) minimum of 1.20x - 1.25x
Multifamily ownership or management experience strengthens pricing and leverage

Why Choose This Option

Non-recourse lending protects your personal assets in the event of a default.
Streamlined small-balance documentation — written quotes from a rent roll and two years of operating history, no tax returns required.

Common Scenarios

How businesses use Multifamily Term

Turnkey Acquisitions

Buying a fully stabilized, Class-A apartment building as a safe, long-term yield play.

FAQ

Frequently Asked Questions

Get the facts on Multifamily Term.

What does "Non-Recourse" mean?

Non-recourse means that if the property fails and faces foreclosure, the lender can only take the property. They cannot pursue your personal bank accounts, home, or other assets (subject to standard "bad boy" carve-outs like fraud).

Can I pull cash out?

Absolutely. Cash-out refinances are incredibly common.

What documents do I need for a quote?

For small-balance loans, a written quote typically requires just two years of operating history and a recent rent roll — no tax returns. After you accept, expect an application deposit, credit authorization, financial statements, and a schedule of real estate.

Stop waiting. Start growing.

Start your application and find out exactly how much capital you qualify for. It won't affect your credit score.

Get Pre-Qualified Now → Schedule A Call

Business Funding