Multifamily Loan Solutions

We are experts in apartment lending. When looking to purchase, refinance, or construct a multifamily property, sourcing capital is mission critical. At PACT Capital our advisors have been developing relationships with capital providers for years, giving us a 360-degree view of the market in order to secure our clients the best rate and terms. Our direct agency, bank, and credit union relationships allow us to secure the optimal financing for our borrowers

An Overview of Multifamily Loan Solutions

There are so many factors involved in choosing the appropriate loan for your situation. Leverage, amortization, fixed-term periods, prepayments, rates, fees, interest only or amortizing, recourse, and much more just to name a few of the details. Most lenders have their own standard structures and strict lending requirements, meaning not every loan works for every lender. One lender’s strength and niche might be another lender’s weakness. We underwrite every loan up front to be able to narrow down which lenders will be best suited for each transaction.

Multifamily Overview

As a client-centered lender, PACT Capital delivers streamlined options for multifamily financing needs across all markets. Through years of expertise and investing, we’ve developed proprietary underwriting and capital partner relationships to secure the best financing options for your multifamily investment property. No matter the deal size, PACT Capital can help. As a Bridge-to-Perm lender, we provide financing options to meet our borrower’s short- and long-term goals. Whether they are in need of immediate capital or more permanent financing.
When you work with PACT Capital you have access to the entire credit market at your fingertips. Through our long-standing relationships, we facilitate a more competitive financing experience. Our relationships with lenders can lead to substantially better terms, with longer amortizations, lower rates, and fewer penalties than a borrower would get on their own. At PACT Capital, we work with borrowers to leverage our expertise in multifamily investing and network of lenders to secure the best financing options available in the marketplace.

Contact Us Today

To learn more about our multifamily lending program.

Loan Terms:

Location Nationwide
Loan Amounts: $100,000 - $100,000,000
Loan-To-Value: Up to 80%
Terms: Fixed rates from 3 – 30 years
Amortization: 30 years
Repayment: Amortizing & Interest-Only
Guarantee: Non-Recourse and Recourse
Prepayment: Flexible Prepayment Options


Credit Unions
Agency – Fannie Mae, Freddie Mac and HUD
Life Company
Private Equity
Family Offices
Private Credit Markets

More on Multifamily Loan

When assessing any multifamily investment, metrics like net-operating-income (NOI), cap rates, and appraised values can mislead investors and lenders. Without a true capital partner that understands how to underwrite these loans and assess the investments, multifamily property owners are at a disadvantage when seeking financing for their properties. That is why PACT Capital is different. With over $2.5B in multifamily loans originated and many multifamily properties of our own, we know multifamily better than most. This allows us to serve as your capital partner, no matter what your goals are.
Whether you’re looking for value-add or long-term investments, securing the right financing for your multifamily property is a key element to its success. PACT Capital provides borrowers with access to financing options from government sponsored entities (GSEs) like Fannie Mae and Freddie Mac, banks, credit unions, and other direct lenders.

Interest only available on certain deals

  • 45-day closings
Capital partners include:
    • Banks / Credit Unions
    • Fannie, Freddie, and HUD
    • Life Companies
    • And other direct lenders
PACT Capital is a reliable lender working directly with operators and borrowers to purchase multifamily properties, refinance existing properties, redevelop, or start a new construction of multifamily properties. Contact us today to learn more about your options for financing multifamily property.