Large multifamily apartment complex
Institutional Portfolio Finance · Tier II

Multifamily
Tier II Program

Large-balance multifamily financing from $2.5M to $20M. Institutional-grade fixed-rate structures. Nationwide primary and secondary market coverage.

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Program Tiers: Tier I  ·  $1M – $7.5M Tier II  ·  $2.5M – $20M
Capital Structure

Financial parameters.

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Loan Range

Large-balance institutional financing for significant multifamily acquisitions, refinances, and portfolio consolidations.

$2.5M — $20M
Max LTV
80%

75% LTV max on cash-out refinance.

Min DSCR
1.20x

Minimum across all markets

Amortization
30yr

Standard 30-year schedule

Interest Only
Up to 2yr

Full-term IO with LTV < 50%

Prepayment
3/2/1/0

Standard step-down. Various options available.

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Nationwide Footprint

Primary and secondary markets. Close proximity to employment centers and retail.

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Non-Recourse

Standard carve-out provisions. Partial and full recourse available for select scenarios.

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Entity Preferred

Single asset entities preferred. No deposit relationship required.

Loan Purpose
check_circleAcquisition
check_circleRate / Term Refinance
check_circleCash-Out Refinance (up to 75% LTV)
CAPEX escrows required for non-recourse loans. Real estate tax escrow required.

Eligible Property Types

check_circleConventional multifamily (5+ units)
check_circleLarge apartment complexes
check_circleMixed-use (subject to limitations)
check_circleStudent housing (subject to limitations)
Rate Options

Program terms.

Fixed Rate

5-Year Fixed

Shorter fixed-rate term for sponsors with a defined repositioning timeline or near-term refi/sale strategy.

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Fixed Rate

7-Year Fixed

Balanced fixed-rate structure offering rate stability with a medium-term horizon. Well-suited for value-add and stabilized holds.

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Fixed Rate

10-Year Fixed

Maximum rate certainty for long-term institutional holders. Ideal for core and core-plus multifamily strategies.

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Get Started

Application checklist.

Compton Capital's institutional underwriting team moves fast. Get these items ready to accelerate your Tier II approval.

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Required Documents

check_circle Property name and/or address
check_circle Guarantor name, brief bio, approximate net worth and liquidity
check_circle Year of construction and last renovation (if applicable)
check_circle Current rent roll with as much detail as possible
check_circle Most recent full-year property income and expense statement
check_circle Trailing 12-month income and expense statements (monthly format preferred)
check_circle Description of unique property characteristics (affordability covenants, student/senior concentrations)
check_circle If purchase: purchase price  /  If refinance: amount of existing debt
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Helpful — Not Required

info Previous year's property income and expense statement
info If refinance and owned less than 3 years: total cost basis and capital improvements schedule
info Representative photos of the property
info Personal Financial Statement (within 30 days): net worth ≥ loan amount, liquidity ≥ 9 months P&I

Need Tier I?

If your loan amount falls between $1M and $7.5M, see our Tier I program for additional parameters including Hybrid ARM options and higher DSCR tiers.

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Deploy Large-Balance Multifamily Capital

$2.5M to $20M. Fixed-rate. Non-recourse. Institutional execution.

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