Multifamily apartment building
Apartment Building Finance · Tier I

Multifamily
Tier I Program

Institutional capital for 5+ unit multifamily acquisitions and refinances. Up to 80% LTV. Non-recourse. Nationwide footprint with streamlined underwriting.

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

Financial parameters.

apartment

Loan Range

For small-to-mid-balance multifamily acquisitions and refinances across all 50 states.

$1M — $7.5M
Max LTV
80%

Top and Standard markets. Acquisition and refinance.

Debt Service Coverage Tiers

Top Market
1.20x
Standard
1.25x
Small Market
1.30x
Very Small
1.40x
Min FICO Score 650
Amortization Up to 30 Yrs
Min Occupancy 90% / 90 Days
Recourse Non-Recourse*
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Loan Purpose

Acquisition or Refinance
Up to 100% Cash-Out Available

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Interest Only

Partial IO available
Full-term IO may be available

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Sponsor Financials

Net worth ≥ loan amount
Liquidity ≥ 9 months P&I

Eligible Property Types

check_circleConventional multifamily (5+ units)
check_circleApartment buildings
check_circleCondo buildings
check_circleMixed-use (subject to limitations)

*Non-recourse with standard carve-out provisions.

Rate Options

Program terms.

Adjustable Rate

5-Year ARM

20-year hybrid ARM with 5-year initial fixed-rate period. Ideal for sponsors planning to refinance or sell within 5 years.

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Adjustable Rate

7-Year ARM

20-year hybrid ARM with 7-year fixed period. A balanced structure for mid-term hold strategies with extended rate stability.

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Fixed Rate

10-Year Fixed

Maximum predictability for long-term apartment building holders. Fully amortized over 30 years with stable monthly payments.

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Get Started

Application checklist.

Compton Capital's streamlined multifamily process moves from inquiry to funding with minimal friction. Get these items ready to accelerate your 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 Approximate 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 property income and expense statements (monthly format preferred)
check_circle Description of any unique property characteristics (affordability covenants, student/senior concentrations)
check_circle If purchase: amount of purchase price  /  If refinance: amount of existing debt
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Helpful — Not Required

Providing these items will accelerate underwriting and may improve terms.

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

Ready to move forward?

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Finance Your Multifamily Portfolio

Non-recourse capital from $1M to $7.5M. Simple. Fast. Efficient.

Submit a Deal View Tier II ($2.5M–$20M)