How To Get A Loan To Buy An Apartment Complex May 2026

Lenders require the property's Net Operating Income (NOI) to exceed the annual debt service. Most expect a DSCR of 1.25x or higher .

Getting a loan for an apartment complex (multifamily real estate with 5+ units) is fundamentally different from a standard home mortgage. In 2026, lenders prioritize the over your personal income, often requiring a detailed analysis of the building's financial performance. Core Loan Requirements for 2026 how to get a loan to buy an apartment complex

For larger loans, your net worth often needs to equal at least 100% of the loan amount , with liquid cash reserves (post-closing) of at least 10% of the loan amount . Primary Financing Options Buying Your First Apartment Complex: An Investor Guide Lenders require the property's Net Operating Income (NOI)

A minimum score of 660–680 is typically required to secure favorable terms. In 2026, lenders prioritize the over your personal