Transform multifamily assets.Bridge, stabilize, hold.
RELM simplifies financing for multifamily properties with 5 or more units, from bridge capital through long-term term-loan strategies.
Built for investors, developers, landlords, property managers, and real estate professionals who need a reliable funding partner.
Multifamily bridge loans
Capital for purchase, rehab, and stabilization.
RELM bridge loans help customers acquire, renovate, refinance, and stabilize multifamily properties before the next financing step.
Minimum FICO
Program dependent
Credit requirements vary by lender, leverage, property profile, and transaction structure.
Property Types
5+ residential units
Bridge financing is designed for multifamily properties with 5 or more units.
Loan Amount
$500K to $5M
Substantial bridge funding for acquisition, renovation, refinance, and stabilization projects.
Term Length
Up to 24 months
Terms can include two 6-month extension options to better align with the project timeline.
Stabilized Value
Up to 70%
Purchase and rate-term refinance scenarios may reach up to 70% of stabilized value; cashout refinance may reach up to 65%.
Loan Types
Interest-only or fixed/ARM
Flexible structures include interest-only and fixed or adjustable rate mortgage options.
RELM's Multifamily Bridge Loans
A dependable partner for multifamily transformation.
Deal support
Designed for acquisition, renovation, refinance, and value creation.
Whether the plan is to acquire, renovate, refinance, or stabilize a multifamily asset, RELM keeps the financing path straightforward and accessible.
Cashout refinance
Loan amount is subject to LTV guidelines based on the guarantor's mid FICO score.
Maximum loan to cost
Purchase loans may provide up to 75% of purchase or as-is value, plus 100% of rehab costs.
Rehab costs
Refinance loans may support up to 65% of as-is value plus 100% of rehab costs.
Recourse
Loans at or below $2MM are full recourse. Loans above $2MM may offer full recourse or limited recourse with bad-boy carveouts.
Multifamily term loans
Secure long-term financing with ease.
RELM supports landlords, multifamily investors, and property managers seeking stable long-term financing for 5 to 10 unit residential properties.
Property Types
5 to 10 units
Term loans are designed for 5 to 10 unit residential properties.
Loan Amount
$250K to $3M
Financing options support a range of stabilized multifamily purchase and refinance needs.
Loan Types
30-year fixed or hybrid ARM
Choose 30-year fixed rate mortgages or hybrid ARMs such as 5/6, 7/6, and 10/6, with partial interest-only or fully amortizing options.
Recourse
Flexible structures
Options may include full recourse or non-recourse loans with bad-boy carveouts and pledge of equity of the borrowing entity.
Term Length
30-year term
Long-term financing supports predictable payments and durable ownership planning.
Minimum DSCR
1.20x to 1.40x
Required DSCR depends on subject market classification, including top, standard, small, and very small markets.
Key term-loan requirements
Long-term structure for stabilized multifamily ownership.
Maximum loan to cost
If owned for less than 3 months, financing may reach up to 70% of total cost basis. If owned between 3 and 6 months, an additional 5% haircut on max eligible LTV applies.
Maximum loan to as-is value
Purchase and rate-term refinance may reach up to 70%. Cashout refinance may also reach up to 70%, subject to guidelines.
Minimum guarantor FICO
Credit requirements vary by lender, leverage, property profile, market, and transaction structure.
Lease requirements
A minimum 90% occupancy rate by unit count is required. For leased units, the lower of in-place rent and market rent applies; unleased units must meet 90% of market rent for purchase loans.
Where Multifamily Fits
Get started now
Your multifamily investment goals are within reach.
Contact RELM to explore how bridge or term loan options can provide the financing and support needed for multifamily properties.
