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
Many lenders, especially "Agency" lenders like Fannie Mae and Freddie Mac, prefer borrowers with at least 2 years of multifamily management experience . 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