Multifamily Loans

From stabilized assets to value-add opportunities, our multifamily loans provide the capital you need to grow your portfolio.

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Flexibility

BlackSwan Lending provides DSCR loan solutions tailored for real estate investors at any stage, from beginners to seasoned professionals.

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Wide Application

Use our loans to finance a new purchase, refinance an existing property, or unlock equity from your rental portfolio.

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Competitive Rates

With some of the most attractive terms in the non-QM space, we make financing your rentals accessible and cost-effective.

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Wealth Growth

Our DSCR loans are designed to help you scale your rental holdings and build long-term wealth through real estate.

About Loan

Multifamily Loans

At Black Swan Lending, we offer tailored multifamily loan solutions for investors acquiring, repositioning, or refinancing 5+ unit properties.

Whether you’re purchasing a small apartment building or refinancing a stabilized asset, our programs are designed to move at the speed of your investment strategy—not the pace of traditional banks.

Highlights

Types of Multifamily Loans Offered:

Black Swan Lending calculates financing terms on the strength of the asset – giving you a path to funding, regardless of your background.

For stabilized multifamily properties (>90% occupied) that are being acquired through a purchase transaction or being refinanced post-construction or post-renovation.

What You’ll Need:

  • Purchase contract or refinance summary
  • Rent roll & T12 (trailing 12-month financials)
  • Scope of work (if rehab is included)
  • Personal Financial Statements of Guarantors
  • Track Record & SREO of Guarantors

Perm Lending

Loan Size
Up to $50,000,000
LTV
Up to 75% of LTV
DSCR
As low as 1.15x
Term
30-Year Fixed, Fully Am – 5-, 7-, 10-Year Balloon
Interest rates
from 5.49%
Prepayment Penalty
0 to 5 Year PPP
Origination
1.00% - 3.00%
Highlights

Types of Multifamily Loans Offered:

Black Swan Lending calculates financing terms on the strength of the asset – giving you a path to funding, regardless of your background.

For ground-up construction of entitled land that is intended for multi-family apartment developments.

What You’ll Need:

  • Project Plans & Budget
    Approved building plans, detailed construction budget, and project timeline.
  • Licensed General Contractor
    GC license, experience summary, insurance, and a signed completion guarantee.
  • Permits & Land Info
    Proof of land ownership or purchase contract, plus zoning and permit status.
  • Borrower & Exit Strategy
    Entity docs, borrower background, and your plan to refinance or sell post-construction.

Ground-up Construction

Loan Size
Up to $50,000,000
LTC
Up to 80% of Cost Basis
Term
Up to 36 Months
Interest rates
from 9.50%
Prepayment Penalty
N/A
Origination
1.00% - 3.00%
Highlights

Types of Multifamily Loans Offered:

Black Swan Lending calculates financing terms on the strength of the asset – giving you a path to funding, regardless of your background.

For acquisition of multi-family properties that require value-add (renovations), lease-up, or a combination of the two in an attempt to fully stabilize the asset.

What You’ll Need:

  • Purchase contract or refinance summary
  • Proforma Rent roll & Operating Expenses
  • Scope of work (if rehab is included)
  • Personal Financial Statements of Guarantors
  • Track Record & SREO of Guarantors

Bridge Lending

Loan Size
Up to $50,000,000
LTC
Up to 85% of Cost Basis
Term
Up to 36 Months
Interest rates
from 7.99%
Prepayment Penalty
Minimum Interest
Origination
1.00% - 3.00%
Multifamily Loans

Multifamily Loans 
are ideal for

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Acquisition of stabilized or multifamily in need of capital expenditures
2
Refinancing for stabilized take-outs against cash flowing Multi-Family property
3
Construction of new Multi-Family Apartment complexes
4
Portfolio expansion for long-term cash flow and appreciation
Testimonials

What Our Clients Are Saying

FAQ

Frequently Asked Questions

Is Experience Required?

Yes. You must have relevant experience or have a project sponsor who is able to bring experience to the general partnership team.

Track Record, Personal Financial Statement, Proforma Underwriting & Rent Rolls for the subject property, Scope of Work (if any renovations are being done)

Contact Us

Proven Team. Trusted Lending Partner.

With extensive industry expertise and an unwavering commitment to service, our team has successfully partnered with hundreds of real estate investors on projects nationwide.