How To Get A Loan To Buy An Apartment Complex Apr 2026

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

Lenders require the property's Net Operating Income (NOI) to exceed the annual debt service. Most expect a DSCR of 1.25x or higher . how to get a loan to buy an apartment complex

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%). Getting a loan for an apartment complex (multifamily