MULTIFAMILY AND COMMERCIAL REAL ESTATE FINANCING TO GROW YOUR PORTFOLIO
Financing solutions for multifamily and mixed-use investment properties, including acquisitions, refinancing, and eligible cash-out transactions. QREF underwrites property cash flow, occupancy, appraisal, debt service, and collateral to structure financing that fits your commercial investment strategy.
Typical Use Cases
- Acquiring a 5+ unit multifamily investment property
- Rate-and-term refinancing of an existing commercial mortgage
- Cash-out refinancing to fund portfolio expansion
- Financing qualifying mixed-use properties
- Acquiring office, retail, warehouse, or other commercial investment scenarios
Financing Highlights
5 units
Multifamily starting at
Eligible
Cash-out
Qualifying
Mixed-use
~3–4 weeks
Closing timeline
Property Eligibility
- Multifamily investment properties beginning at five units
- Larger property opportunities subject to program and loan size
- Qualifying mixed-use properties
- Eligible office, retail, warehouse, and other commercial investment scenarios
Underwriting Considerations
- Property cash flow and occupancy reviewed
- Appraisal, debt service, and collateral underwriting
- Existing loan balance and any approaching balloon evaluated
- Rent-stabilization or affordability restrictions reviewed where applicable
The Loan Application Process
- 1
Submit your scenario
Provide property, unit mix, rent roll, and financing request.
- 2
Underwriting review
We evaluate cash flow, occupancy, NOI, and debt service coverage.
- 3
Term sheet
If qualified, we issue a term sheet with structure and conditions.
- 4
Due diligence
Appraisal, title, environmental, and rent-roll verification.
- 5
Closing
Commercial multifamily closing timelines can be approximately 3–4 weeks depending on complexity and completeness.
Common Borrower Questions
What size multifamily properties qualify?
Multifamily investment properties beginning at five units qualify, with larger opportunities subject to program and loan size. Programs are not restricted to a fixed unit count.
Can I get cash out of a stabilized multifamily?
Yes. Cash-out refinancing is available on eligible stabilized properties, subject to LTV, DSCR, and underwriting.
Do you finance commercial (non-multifamily) properties?
Yes. Eligible office, retail, warehouse, and other commercial investment scenarios are considered, subject to cash flow and collateral underwriting.
How long does a commercial multifamily closing take?
Closing timelines are approximately 3–4 weeks depending on the complexity and completeness of the transaction.
Ready to Discuss Your multifamily commercial Scenario?
Tell us about your investment property and financing goals. We'll review your scenario and discuss available options.