Multifamily And Commercial Property Loans

Merchants Mortgage & Trust offers multifamily loan products designed to provide real estate investors and developers with fast, flexible financing for acquisitions, renovations, and new construction projects.

Whether you’re building from the ground up or repositioning an existing property, Merchants delivers the capital and support to bring your vision to life.

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Multifamily Bridge Loans

LTC: Up to 85% of the Purchase Price + 100% of Construction Costs
Rates: Starting at 10.5%
Loan Amount: $250,000 to $10,000,000
ARLTV: Up to 75%
Term: Up to 24 Months Interest Only with Monthly Payments up to $30,000
Direct Lender/Institutionally Owned

Multifamily Ground-Up Construction

Loan Options:

100% of Construction Costs + Interest Reserve with Land as Down Payment
Up to $100,000 Ongoing Advance Available in Addition to Normal Draws
Up to 80% of Purchase Price + 80% of Construction Costs
Up to 85% of Purchase Price + 85% of Construction Costs with Interest Reserve

Terms

Rates: Starting at 10.99%
Loan Amounts: $250,000 – $10,000,000
ARLTV: Up to 65%
Term: Up to 24 Months Interest Only Monthly Payments

Property Types Covered

Multifamily Residential
Multifamily Ground-Up Construction
Mixed Use Office/Retail with at least 50% multifamily residential
Other Commercial (available in Colorado, California, and Arizona)

Advantages of our Multifamily Loan Programs

Staff Experience

Our experienced team of professional loan officers and processors are here to guide you every step of the way, ensuring that your financing journey is smooth and successful. From the initial consultation to the final loan approval, our experts are committed to providing personalized support and expert advice tailored to your unique needs and goals.

Property Types

We can finance a variety of project types including multifamily residential, small shopping centers, offices, and industrial/warehouse properties.

For ineligible property types, click here.

Fast Approvals and Closings

Through our Multifamily loan program, you can receive rapid pre-approvals, usually within 24 to 48 hours, and closings within 5 business days. This speed has helped many of our clients secure and close contracts faster than expected, allowing them to compete effectively with all-cash buyers.

Use of Funds

You can use our funds for new construction, rehabilitation of an existing space, or bridge financing prior to permanent financing.

Borrower Flexibility

Properties can be titled under entities like limited liability companies (LLCs), corporations, or partnerships. Investors are not restricted by the number of investment properties they already own. Additionally, self-directed IRA loans are available with an additional down payment.

Competitive Pricing

Whether you are an experienced or novice real estate investor, you will find our rates and fees to be some of the most competitive in the industry.

Ready to get started?

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