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.
Illustrative example. Submit your scenario for actual terms.
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 →Multifamily investors at every stage
Purpose-built multifamily financing for investors who want to scale beyond single-family without the complexity of large commercial loans.
Loans are underwritten on the property's rental income and DSCR — not your personal W-2 or employment history.
Close in an LLC or entity structure — protecting assets and keeping your portfolio organized.
Pull equity from stabilized multifamily assets to fund your next acquisition or portfolio expansion.
Traditional banks are slow and rigid. We move faster and underwrite based on the asset — not a bureaucratic checklist.
Preserve cash flow with interest-only payment structures available on select programs.
Know where you stand from day one. We provide preliminary terms within 24–48 hours and keep you informed throughout.
A straightforward process designed to get multifamily investors funded quickly and efficiently.
Share the address, unit count, current rents, estimated value, and your loan request.
We evaluate rental income, DSCR, and loan structure. Preliminary terms within 24–48 hours.
Move forward with financing structured around your multifamily strategy and timeline.
Typical parameters for small balance multifamily loans. Every deal is unique — submit yours for a specific review.
5–24 Units
Small balance apartment buildings$500K – $5M+
Based on property and marketUp to 70%
Purchase or rate/term refinance1.00x Minimum
Property income must cover debt service625+ Minimum
Single entity ownership requiredPurchase or Refinance
Rate/term and cash-out availableSubmit your scenario and get financing feedback within 24–48 hours.