<br>

## What is a Multifamily Term Loan?

<br>

Multifamily term loans are asset-based loans for purchasing and refinancing 5+ unit residential properties. Multifamily term loans have an interest and principal repayment (amortization) component. Investors have a few options when selecting the best multifamily term loan for a specific deal. 

<br>

## Underwriting Criteria for Multifamily Term Loans

<br>

Multifamily term loans are based on the following underwriting criteria:

<br>

✅ Deal economics (see: [DSCR Calculator](https://www.offermarket.us/tools/dscr-calculator))</br>
✅ Borrower track record of experience</br>
✅ Borrower credit score</br>

<br>

## Multifamily Term Loan Interest Rates

<br>

Our [DSCR Loan Index](https://www.offermarket.us/blog/dscr-loan-interest-rate-index) tracks the prevailing interest rate for DSCR loans. See how OfferMarket's DSCR loan interest rate and terms compare:

<br>

<iframe width="551" height="371" seamless frameborder="0" scrolling="no" src="https://docs.google.com/spreadsheets/d/e/2PACX-1vRJPw1fYWqj_5mdlNBrD5MLne_ApqpOXlNmkmNE_sZfPgsbn9pU0mWUenEO1x6WE9237S7jzaQE2Hig/pubchart?oid=262687025&amp;format=interactive"></iframe>
<br>
<br> 

## Multifamily Bridge Loan Guidelines

<br>

<div style="display: grid; grid-template-columns: repeat(1, minmax(0, 1fr)); overflow: auto; white-space: nowrap;">
<table>
<thead>
  <tr>
    <th>Guidelines:</th>
    <th>Multifamily Bridge Loan</th>
  </tr>
</thead>
<tbody>
  <tr>
    <td>Interest Rates</td>
    <td>see index above</td>
  </tr>
  <tr>
    <td>Origination Fees</td>
    <td>1 to 2 points (% of loan amount)</td>
  </tr>
  <tr>
    <td>Property Types</td>
    <td>5+ unit and mixed use</td>
  </tr>
  <tr>
    <td>Loan Amounts</td>
    <td>$500,000 - $25,000,000</td>
  </tr>
  <tr>
    <td>Maximum LTV, ARV</td>
    <td>75%</td>
  </tr>
  <tr>
    <td>Maximum Loan To Cost</td>
    <td>Purchase: 80% of As-Is Value and 100% of rehab, Refinance: 75% of As-Is Value and 100% of rehab</td>
  </tr>
  <tr>
    <td>Term Length</td>
    <td>up to 24 months -- +0.5% for months 13 - 18, +0.75% for months 19 - 24</td>
  </tr>
  <tr>
    <td>Minimum Guarantor FICO</td>
    <td>650</td>
  </tr>
<tr>
    <td>Ownership</td>
    <td>LLC or Corporation</td>
  </tr>
  <tr>
    <td>Recourse</td>
    <td>Full recourse, Limited recourse</td>
  </tr>
</tbody>
</table>
</div>

<br>

## What is the process for getting a multifamily term loan?

<br>

**Timeline:** 15 - 30 days

<br>

1. [Get a quote](https://www.offermarket.us/loans) (takes 1 minute)
<br>
2. Complete processing action items in your [My Loans portal](https://www.offermarket.us/my/loans)
<br>
✅ Credit & Background Check</br>
✅ Personal Financial Statement</br>
✅ Schedule Of Real Estate Owned (track record of experience)</br>
📄 Download your pre-approval letter</br>
📄 Download your loan terms</br>
✅ Upload entity docs</br>
✅ Authorize title order</br>
✅ Authorize appraisal order</br>
3. Schedule closing

<br>









Multifamily term loans are asset-based for purchasing and refinancing 5+ unit residential properties. OfferMarket offers these loans to experienced investors.

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Multifamily Term Loans | OfferMarket

Multifamily Term Loans

Discover the best places to wholesale real estate in 2025 and how OfferMarket helps investors with off-market deals, private lending, and deal analysis tools.

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Learn how to write wholesale real estate offer letters, use assignable contracts, avoid common mistakes, and close deals faster with OfferMarket’s Get Offers Contract, OM Intelligence and Cash Offer Calculator.

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Wholesale Real Estate Offer Letter | OfferMarket

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Grow your real estate investing business with the most competitive DSCR loan product. OfferMarket provides DSCR rental loans, bridge loans, hard money, fix and flip, slow flip, and ground up construction loans.

Private Lending | OfferMarket

Private Lending

Is it priced to sell?

How small are we talking?

<br>

Small houses are not necessarily hard to sell, though it depends on a few factors:

<br>

## Is it priced to sell?

<br>

The #1 home selling mistake we see is when a home is not priced appropriately. Listing too high will result in many would-be-buyers not even inquiring. Many will wait for possible price drops or keep looking at other options. What's more, many buyers have firm maximum price limits and won't even consider or be altered to your listing. 

<br>

To sell your house fast, you need to price it at an attractive point to draw in as many buyers as possible. This means carefully analyzing [comps](https://www.offermarket.us/real-estate-glossary/comps).

<br>

## How small are we talking?

<br>

In your local there are likely many people looking for houses for sale with 1 to 2 bedrooms and 1 bathroom. But if we're talking about a tiny house (100 to 400 square feet), then the market of prospective home buyers is probably also tiny.

<br>

### How unique is the house?

<br>

If your house is designed in a manner that very few people find appealing, then you would need to reduce your asking price in order to sell in a timely manner.

<br>

Are small houses hard to sell? Not necessarily, it depends on a few factors. There's more to learn at OfferMarket. 

*Quote takes 1 minute, no credit pull

*1 quote from 40+ carriers

*New listings daily

Are small houses hard to sell?

Is it priced to sell?

* Takes 2 minutes, no credit pull