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Small Balance Multifamily

Scale Your
Multifamily Portfolio.

Financing for investors acquiring, refinancing, or scaling smaller apartment buildings. CBiz Capital structures multifamily loans around your property's income, timeline, and long-term strategy.

5–24 Units Purchase & Refinance DSCR-Based Qualification

Apply Now → View Requirements →

Sample Scenario

Multifamily Acquisition

Property8-Unit Apartment

Purchase Price$1,200,000

Loan Amount$840,000

DSCR1.18x

LTV

70%

Deal
Funded

Illustrative example. Submit your scenario for actual terms.

5–24 UnitsProperty Size

Up to 70%LTV Available

1.00xMin DSCR

24–48 hrsTerm Feedback

Multifamily Financing

Built for Smaller Apartment Investors

Small balance multifamily loans fill the gap between residential financing and large commercial deals. If you're buying or refinancing a 5–24 unit building, this program is built for you — income-based underwriting, flexible terms, and faster closings than traditional banks.

Apply Now →

Best For

Multifamily investors at every stage

5–24 unit apartment buildings
Acquisition and purchase financing
Rate/term and cash-out refinance
Value-add and stabilized assets
LLC or entity ownership
Self-employed investors

Benefits

Why Investors Use Small Balance Multifamily Loans

Purpose-built multifamily financing for investors who want to scale beyond single-family without the complexity of large commercial loans.

Income-Based Qualification

Loans are underwritten on the property's rental income and DSCR — not your personal W-2 or employment history.

Entity Ownership

Close in an LLC or entity structure — protecting assets and keeping your portfolio organized.

Cash-Out Available

Pull equity from stabilized multifamily assets to fund your next acquisition or portfolio expansion.

Faster Than Banks

Traditional banks are slow and rigid. We move faster and underwrite based on the asset — not a bureaucratic checklist.

Interest-Only Options

Preserve cash flow with interest-only payment structures available on select programs.

Clear Timeline

Know where you stand from day one. We provide preliminary terms within 24–48 hours and keep you informed throughout.

Process

From Scenario to Closing

A straightforward process designed to get multifamily investors funded quickly and efficiently.

Submit Your Property

Share the address, unit count, current rents, estimated value, and your loan request.

Income Review

We evaluate rental income, DSCR, and loan structure. Preliminary terms within 24–48 hours.

Get Terms & Close

Move forward with financing structured around your multifamily strategy and timeline.

Loan Parameters

General Requirements

Typical parameters for small balance multifamily loans. Every deal is unique — submit yours for a specific review.

Property Size

5–24 Units

Small balance apartment buildings

Loan Amounts

$500K – $5M+

Based on property and market

Max LTV

Up to 70%

Purchase or rate/term refinance

Min DSCR

1.00x Minimum

Property income must cover debt service

Credit Score

625+ Minimum

Single entity ownership required

Use of Funds

Purchase or Refinance

Rate/term and cash-out available

Get Started

Have a Multifamily Deal?

Submit your scenario and get financing feedback within 24–48 hours.