Finance Multi-Family Properties with Expert Support
Bridge and rental loan solutions for apartment buildings and mixed-use investments.
Multi-Family Loans Highlights
Flex Financial provides short and long bridge loans, fix-and-flip financing, and long-term rental financing for apartment buildings with 5 or more units.
Loan Criteria
Collateral:
Multi-Family Apartment Buildings (5+ Units); Mixed-Use Properties (Residential Space Must Represent 70%+ of the Property’s Total Square Footage)
Term:
12 – 18 Months (Extended Terms Available)
Loan Amount:
Short-Term: $250k – $2.5M ($1M Max per unit)
FICO:
Short-Term: 660 Minimum
LTV:
Stabilized Bridge
Purchase: Up to 75% of the As-Is Value
Refinance: Up to 70% of the As-Is Value
Cash-Out: Up to 65% of the As-Is Value
Fix & Flip:
Purchase: Up to 80% of the Purchase Price + 100% of Renovation Costs
Refinance: Up to 75% of the As-Is Value + 100% of Renovation Costs
Cash-Out: Up to 70% of the As-Is Value + 100% of Renovation Costs
Short Term Multi-Family Loan Program Typical Leverages
| MAXIMUM LOAN-TO-VALUE (LTV) | |
|---|---|
| PURCHASE | Up to 75% of the As-Is Value |
| REFINANCE | Up to 70% of the As-Is Value |
| CASH-OUT | Up to 65% of the As-Is Value |
FIX & FLIP PROGRAM
EXPERIENCED CUSTOMER. (Completed <3 Flips in the Last 3 Years)
| MAXIMUM LOAN-TO-VALUE | MAXIMUM AFTER-REPAIR VALUE | |
|---|---|---|
| LIGHT REHAB | Up to 80% of Purchase Price + 100% of Rehab Costs | Up to 70% Loan-to-Cost |
| HEAVY REHAB* | Up to 70% of Purchase Price + 100% of Rehab Costs | Up to 65% of the ARV |
| MAXIMUM LOAN-TO-VALUE | MAXIMUM AFTER-REPAIR VALUE | |
|---|---|---|
| LIGHT REHAB | Up to 75% of Purchase Price + 100% of Rehab Costs | Up to 65% Loan-to-Cost |
| HEAVY REHAB* | Up to 65% of Purchase Price + 100% of Rehab Costs | Up to 60% of the ARV |
| MAXIMUM LOAN-TO-VALUE | MAXIMUM AFTER-REPAIR VALUE | |
|---|---|---|
| LIGHT REHAB | Up to 70% of Purchase Price + 100% of Rehab Costs | Up to 60% Loan-to-Cost |
| HEAVY REHAB* | Not Permitted | Not Permitted |
FIX & FLIP PROGRAM
NEW CUSTOMERS (Completed 5+ Flips in the Last 3 Years)
PURCHASE
| MAXIMUM LOAN-TO-VALUE | MAXIMUM AFTER-REPAIR VALUE | |
|---|---|---|
| LIGHT REHAB | Up to 70% of Purchase Price + 100% of Rehab Costs | Up to 60% ARV |
Why Choose Flex Financial
Built for Real-World Investors and Business Owners: Flex Financial is designed for borrowers who need certainty, speed, and flexibility—especially when traditional lenders slow deals down or say no.
Speed Without the Red Tape: We prioritize execution. Streamlined underwriting, direct decision-makers, and efficient processes allow us to move quickly from term sheet to funding—so you can secure opportunities before they disappear.
Flexible Credit & Income Requirements: We underwrite the deal, not just the borrower. Our programs accommodate low or imperfect credit, non-traditional income, and complex borrower structures.
Scalable Capital Partner: From $50,000 to $10 million, Flex Financial supports everything from single transactions to growing portfolios across California.
Trusted, Transparent Lender: Clear terms, upfront expectations, and no last-minute surprises. Built by professionals with deep California real estate and lending experience.