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Loan programs Multifamily loans

Multifamily loans to scale your real estate portfolio

Multifamily investing is one of the most effective ways to grow your real estate portfolio, but it requires the right capital partner. Apollonia Equities provides multifamily loans to investors nationwide, financing properties with five or more units. Our loans are structured around net operating income and DSCR, giving you the flexibility to scale your portfolio without being held back by rigid lending requirements.

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/ Overview

What is a multifamily loan?

A multifamily loan is financing used to purchase or refinance residential properties with five or more units. These loans are based on the property’s income and performance (NOI, DSCR) rather than the borrower’s personal income, enabling investors to scale efficiently by generating multiple income streams within a single asset.

/ Loan parameters

Program parameters

Loan amount
$250K–$10M
Rates
Starting at 8.99%
Leverage
Up to 90% of purchase
Term
6–24 months
Minimum FICO
620
Minimum DSCR
Case dependent

Apollonia Equities makes business-purpose loans secured by non-owner-occupied real estate. Not for consumer, personal, family or household use. All terms shown are indicative, represent maximum available parameters, and are subject to underwriting, appraisal, title, borrower experience and final credit approval. Maximum leverage and lowest advertised pricing are not available on every transaction or to every borrower. Loan amounts, rates, terms and timelines vary by program, market and asset. This is not a commitment to lend.

/ Why Apollonia

Why investors nationwide choose Apollonia Equities

  • Built for scalable growth

    Our loans are designed to evolve with your portfolio. We prioritise long-term stability and align financing with property performance, income potential and market conditions.

  • Flexible financing structures

    We customize loans around your timeline and strategy. Terms, funding and timelines are built around your project rather than forcing you into a rigid box.

  • Streamlined, no-nonsense process

    From initial review to closing, we maintain clear communication and efficient underwriting, eliminating unnecessary hurdles so you can focus on execution.

  • Reliable execution

    We stay engaged throughout the transaction, ensuring your financing is delivered on time and according to plan.

Scale your portfolio with confidence

Scaling your portfolio takes speed and certainty.

Ready to finance your next multifamily investment? Connect with Apollonia Equities today to explore your multifamily loan options.

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Get approved in 24–48 hours Direct lender No upfront fees

/ The difference

What makes our lending approach different

Traditional lenders often slow multifamily deals with rigid underwriting and extended approvals. We focus on property performance, income stability and long-term growth potential instead. Our loans are structured around real-world execution and we work alongside you from application to closing.

  1. We underwrite the building’s income

    Qualification is based on net operating income (NOI), DSCR, and overall asset performance, rather than the borrower’s personal income.

  2. We focus on five units and up

    Our multifamily program is built for residential buildings with five or more units, such as apartment complexes, where one asset carries multiple income streams.

  3. We finance acquisitions and refinances

    Whether you are buying a new property or refinancing one you already own, we structure the loan around the asset’s performance and your plan for it.

  4. We weigh the market, not just the numbers

    Local market conditions are part of every review, so your financing reflects both how the building performs today and where it operates.

/ FAQ

Common questions about multifamily loans

What properties qualify for a multifamily loan?

Apollonia Equities provides financing for multifamily investment properties with five or more units. Financing may be available for acquisitions, refinances, renovations, value-add projects, and other investment strategies depending on the property and business plan.

Are multifamily loans available nationwide?

Yes. Apollonia Equities provides multifamily financing to investors across the United States.

Can I refinance an existing multifamily property?

Yes. We offer financing solutions for both acquisitions and refinances.

How do you underwrite a multifamily property?

Multifamily underwriting focuses heavily on the property itself. We review factors such as current and projected net operating income (NOI), occupancy, rent roll, operating expenses, property value, renovation plans, borrower experience, and the proposed exit strategy. As a direct lender, Apollonia Equities can evaluate the entire transaction and structure financing around the specific opportunity.

Can Apollonia Equities finance a value-add or unstabilized multifamily property?

Yes. We can consider multifamily properties that are undergoing renovations, lease-up, repositioning, or other value-add strategies. Rather than looking only at current performance, we evaluate the property’s existing condition, business plan, projected income, renovation scope, borrower experience, and exit strategy.

Who are these loans best suited for?

These loans are ideal for investors focused on scaling portfolios, increasing cash flow, and building long-term real estate assets.

The financing you need to close more deals

Apollonia Equities is a direct private lender providing tailored real estate financing to investors and developers nationwide. From fix & flip and bridge loans to DSCR, multi family, and ground-up construction, we deliver flexible capital, efficient execution, and certainty of close.