Apartment building financing

Yes. We structure improvement holdbacks directly into the bridge loan to fund unit renovations. Common renovation scopes include kitchen and bath upgrades, flooring, fixtures, appliance packages, and common area improvements. Funds are released on a draw basis as work is completed and verified, typically on a per-unit or per-phase schedule.

We evaluate the property based on its stabilized potential, not just trailing income. Our underwriting looks at market rents for comparable renovated units, the borrower's renovation budget and timeline, local occupancy trends, and the exit strategy. A property at 50% occupancy with a clear path to 95% is a deal we want to see.

Most common exits are refinancing into agency debt (Fannie Mae or Freddie Mac multifamily programs), conventional bank financing, or CMBS once the property is stabilized with 90%+ occupancy and 6-12 months of trailing income history. Some borrowers also exit through sale of the stabilized asset.

Yes. Mixed-use properties with ground-floor commercial and upper-floor residential units are eligible. We evaluate the full income picture including both commercial leases and residential rents.

We can close multifamily acquisitions in as few as 10 days from signed term sheet. Most deals close within 10 to 15 business days. We deliver term sheets within 48 hours of receiving a complete deal package.

Requity Lending provides multifamily financing nationwide. We evaluate each market based on employment growth, population trends, rental demand, and comparable property performance.

Yes. We finance both acquisitions and refinances. If you own a multifamily property that needs renovation capital or you want to pull equity for your next acquisition, a bridge loan can provide that capital faster than a conventional refinance.