BearCrest loan program
Multifamily Financing
Financing for apartment properties with five or more units, from acquisition and stabilization through long-term ownership.
Start an applicationThe BearCrest advantage
Financing options built around your opportunity.
We offer bridge and stabilized financing for multifamily properties with five or more units. Our review considers the property’s operations, renovation plan, occupancy, sponsor experience, current performance, and future potential.
Who it’s for
Investors purchasing, renovating, refinancing, or stabilizing multifamily properties.
What we offer
A financing path built around the project.
- Bridge financing can support renovation, repositioning, and lease-up
- Stabilized options focus on sustainable property cash flow
- Purchase, refinance, and eligible cash-out transactions
- Loan structure reflects occupancy, operations, experience, and the business plan
What we can consider
Where this program can fit.
- Finance acquisitions and eligible refinances for properties with five or more units
- Use bridge financing for renovation, repositioning, and lease-up
- Consider stabilized financing when occupancy and property income support the debt
- Review mixed-use properties when the residential and commercial composition fits program guidelines
Important limitations
What borrowers should know.
- Current rent roll, operating statements, occupancy, expenses, and sponsor financial strength are reviewed
- Stabilized terms require dependable property cash flow; transitional properties may need bridge financing
- Available leverage varies by property condition, market, unit count, and business plan
The process
From opportunity to a clear financing plan.
- 01
Share the rent roll and operating history
- 02
Outline renovations or the stabilization plan
- 03
We review value, income, expenses, and sponsorship
- 04
Compare bridge or stabilized loan options
Important to know
Multifamily underwriting looks beyond the building itself—the operating story and plan for improving performance are equally important.
Have a property in mind?
Tell BearCrest about the property, the project, and what you want to accomplish.
Apply for Multifamily Financing