Multifamily 1-4 Unit Loans
Strategic Financing for Duplexes, Triplexes, Quadplexes, and Small Apartment Buildings
Multifamily 1-4 Unit Loans
Strategic Financing for Duplexes, Triplexes, Quadplexes, and Small Apartment Buildings
Expand Your Portfolio with Cash-Flowing Small Multifamily Properties
At Montgomery Lending, our **Multifamily 1-4 Unit Loans** are specifically designed for real estate investors looking to acquire or refinance smaller residential properties with multiple units. These include duplexes, triplexes, quadplexes, and select small apartment buildings (typically classified as 1-4 units for residential financing purposes).
Investing in 1-4 unit multifamily properties offers an excellent pathway to generating consistent rental income, benefiting from property appreciation, and building long-term wealth. Whether you're a seasoned investor looking to diversify or a newcomer ready to take the next step in real estate, we provide flexible and competitive financing solutions tailored to your investment goals.
Ask About Our **NO Origination Fees, First 12 Months of Principal Covered & FREE Appraisal Promotion***
Program Highlights & Loan Parameters
PROPERTY TYPES
- Non-Owner Occupied
- 1-4 Family Real Estate (Duplex, Triplex, Quadplex)
- Condos
- Townhomes
- 5+ Unit Apartments (select programs)
LTV (Loan-to-Value)
- **Purchase:** Up to 85% of the Purchase Price
- **Refinance:** Up to 85% of the As-Is Value
- **Cash-Out:** Up to 80% of the As-Is Value
Max LTV Qualifications
- **85% LTV Purchase & Refinance:** 1.25x+ DSCR, 720+ FICO, Single Family Only
- **80% LTV Cash Out:** 1.20x+ DSCR, 700+ FICO, Single Family Only
DEBT SERVICE COVERAGE RATIO (DSCR)
A flexible **0.75** DSCR is acceptable, emphasizing the property's income-generating potential.
LOAN AMOUNT
Capital available from **$55K - $2M**, supporting a wide range of multifamily acquisitions.
PROPERTY VALUE
The "As Is" Appraised Value Must Be **$100k or Greater** ($90k for 85% LTV Option, Geographical Restrictions May Apply).
AMORTIZATION OPTIONS
- 30-Year Fixed
- Hybrid ARMS (5/1, 7/1, 10/1)
- Interest-Only Options Available
MINIMUM FICO
An accessible **Minimum Credit Score requirement of 640**.
EXPERIENCE
**No experience needed** – welcoming both first-time and seasoned investors.
* **No Origination Fees:** Applicable with a Minimum Loan Amount of $400k.
* **12 Months of Principal Covered:** Up to $5,000 in total principal payment assistance.
* **Free Appraisal Promotion:** Up to $900 value.
Who This Loan Is For
Our Multifamily 1-4 Unit Loans are ideal for:
- Investors looking to acquire their first small multifamily property (duplex, triplex, quadplex).
- Experienced landlords expanding their existing residential rental portfolio.
- Borrowers seeking to generate multiple streams of rental income from a single property.
- Those who prefer financing based on the property's cash flow, rather than extensive personal income documentation.
- Investors aiming for stable, long-term equity growth and consistent passive income.
Why Choose Montgomery Lending for Your Multifamily 1-4 Units?
We are committed to providing strategic financing solutions that meet the unique needs of small multifamily property investors.
- **Specialized Expertise:** Deep understanding of the 1-4 unit multifamily market.
- **Flexible Underwriting:** Focus on property performance for accessible qualification.
- **Tailored Solutions:** Loan options designed to align with your investment strategy.
- **Comprehensive Support:** Guidance from experienced professionals dedicated to your success.
- **Competitive Terms:** Rates and conditions structured to maximize your returns.
Ready to Invest in Small Multifamily Properties?
Contact Montgomery Lending today to discuss your 1-4 unit multifamily project and secure the financing solution that helps you achieve your investment goals.
Apply for Multifamily 1-4 Unit FinancingOr call us at (574) 276-4611 for a free consultation.
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