Financing structured around the asset, not your income.
For 5+ unit residential properties. Whether you are acquiring, stabilizing, or pulling equity out, we structure loans around the cash flow the property generates, not your personal tax returns.
- 5+ unit properties
- Up to 80% LTV
- Cash flow underwriting
- Acquisition or refinance
The details.
Everything you need to know about how this loan is structured before you submit a deal.
Residential properties with five or more units.
On acquisitions and cash-out refinances.
Qualified on property income, not personal income or tax returns.
Purchase, cash-out refinance, or rate-term refinance.
Scale your residential portfolio beyond what single-family financing allows.
Small multi-family sits in an awkward gap: too large for standard residential loans, too small for institutional commercial financing. Trilith bridges that gap with a straightforward cash-flow-based structure that scales with your portfolio.
Cash flow underwriting
We qualify the loan based on the property's net operating income, not your W-2, not your tax returns, not your personal debt-to-income ratio.
Up to 80% LTV
Competitive leverage on acquisitions and cash-out refinances. Pull equity out of performing assets to fund the next acquisition.
Acquisition or refinance
Whether you're buying a new asset or refinancing an existing one to pull capital, we can structure the deal.
Built for portfolio growth
Multi-family is the most efficient path to scaling unit count. We lend on 5–50+ unit assets and structure around stabilized income.
No personal income verification
The property qualifies itself. No tax returns, no personal financial statements, no DTI calculation.
Stabilization not required
Acquiring a value-add asset that isn't fully leased? Ask your loan officer about our approach to light value-add multi-family deals.
What we look at.
We underwrite the deal, not your life story. No tax returns. No income verification. Here is what matters.
Property type: Residential multi-family, 5+ units.
LTV: Up to 80% on purchase and cash-out refinances.
Underwriting: Cash flow / NOI based. No personal income verification.
Tax returns: Not required.
Stabilization: Fully stabilized preferred. Value-add deals considered. Ask your loan officer.
Use of proceeds: Acquisition, cash-out refinance, or rate-term refinance.
For residential investors ready to move beyond single-family.
Multi-family is the most efficient way to scale unit count without a proportional increase in deal complexity. If you're ready to move up in size, we're built for it.
- Single-family investors scaling into 5–20 unit residential properties
- Portfolio investors pulling equity out of existing multi-family assets to fund new acquisitions
- Value-add investors acquiring under-leased or mismanaged residential properties
- Investors in markets where multi-family cash flows better than single-family
- Buyers who've been turned away by conventional lenders due to personal income or tax return requirements
Three steps. No surprises.
A dedicated team on every file from first call to closing table.
Apply
Get approved
Close
Fill out the form or call us. Tell us about your deal. We can usually give you a preliminary answer the same day.
Your dedicated loan team handles underwriting from start to finish. No committee. No delays.
We fund on time. Most loans close in 7–14 days. You get to the closing table ready to execute.
Apply
Fill out the form or call us. Tell us about your deal. We can usually give you a preliminary answer the same day.
Get approved
Your dedicated loan team handles underwriting from start to finish. No committee. No delays.
Close
We fund on time. Most loans close in 7–14 days. You get to the closing table ready to execute.
Common questions.
What size properties do you finance?
Residential multi-family with five or more units, typically 5–50+ unit assets, for acquisition or refinance.
How is a multi-family loan underwritten?
On the property's cash flow (net operating income), not your personal income, tax returns, or debt-to-income ratio.
What is the maximum LTV?
Up to 80% LTV on purchases and cash-out refinances.
Do you consider value-add deals that aren't fully leased?
Yes. Fully stabilized is preferred, but light value-add deals are considered. Ask your loan officer about the approach.
Ready to talk through your multi-family deal?
Tell us about the property: units, occupancy, and what you're trying to accomplish. We'll give you a preliminary read the same day.