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US 5+ unit sponsors

Agency, bridge, and bank debt for 5+ unit apartments.

Match your 5+ unit deal to licensed US lenders — Fannie, Freddie, bridge, and bank. We underwrite for lender fit and route you to the LendCity US desk. This site does not originate loans.

Get a lender-fit review

Send NOI, leverage, and the business plan. No credit pull.

Your investor journey

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No credit pull. US multifamily only. Your info is shared only for deal review follow-up.

LendCity Mortgages

Google reviews for LendCity Mortgages

These Google reviews are for LendCity Mortgages — the brokerage that operates Multi-Family USA. They are not reviews earned by this site.

“If anyone is looking for a mortgage broker, I highly recommend Chris Micucci! Chris was an invaluable resource to me as a first time US investor. He was super knowledgeable and took the time to answer every little question I had. He was also very responsive and very patient with me. I would not hesitate to use him again for my next property! Thanks Chris!”

C Rodriguez

2025-09-19

LendCity Mortgages

“Lendcity is the best mortgage broker for real estate investors. I was first referred to Scott Dillingham (president) when I had 5 investment properties and was no longer able to qualify for conventional mortgages. Lendcity has helped me grow and with their help, I now have 14 investment properties. They are the experts at what they do. If you are a real estate investor, I cannot recommend them enough. Expect true professionals, amazing customer service and APPROVALS.Thanks Scott and everyone on the Lendcity team for your help on my most recent deals.”

Simon Euteneier

2021-02-23

LendCity Mortgages

“This is a review hard to put into words, mainly because LendCity™ (specifically Kristen and Scott) surpassed expectations to the Nth degree. I'd rate them 10 Google Stars if I could. My wife and I are truly blown away. Prior to discovering Kristen and Scott, my wife and I were told "you've exceeded your borrowing limit and we can't approve you for additional financing" by a few other mortgage brokers / brokerages. If you've heard these words too, you know that is about the most deflating sentence you can hear as someone who is passionate about real estate investing. But, one day, after hearing Scott Dillingham featured on a real estate podcast, I gave him a call. While I figured I'd just be told, yet again, that there was nothing they could do to help me buy another investment property, to my surprise, after talking to Scott, I was approved with an A-lender within a few days...for a higher loan than I was expecting. Kristen, Scott - thank you both SO much. Kelly and I cannot wait to work with you again!”

Nick Finn

2022-04-28

LendCity Mortgages

“I had a difficult situation for a great investment property, no one in the city could figure it out. Lendcity stepped in and put me on the path to purchase my investment when no one else believed in the deal. Communication was beyond good, passion the team brought was very good. Super satisfied with the attention to detail and service provided.”

Beyond The Deal McAli

2023-01-21

LendCity Mortgages

“Scott and his team at LendCity™ Mortgages have been nothing but helpful and fast at getting me a mortgage loan. They are a knowledgeable group that helped me with my first rental property, they far exceed the service you get from a traditional bank. Kristen and Scott answered all of my questions the same day if not the same hour. I will definitely be using LendCity™ again for any other mortgages in the future.”

Frank Neufeld

2022-05-05

LendCity Mortgages

“Scott and the staff at Lendcity worked hard to provide us investment property financing! When the told us no, we went to Lendcity and received financing at great rates!!”

Brenda Stokes

2021-08-06

LendCity Mortgages
50+
states plus DC
8
underwriting tools
~1 hr
typical deal-review turnaround
5+
unit commercial only
Start here

What you can do on this site

Underwrite, compare capital, then request a lender-fit review.

Ready to Structure Your Next Multifamily Deal?

Multi-Family USA helps sponsors choose the right debt path — agency, bridge, bank, CMBS, or FHA — and pressure-test underwriting.

Recently funded deals

Anonymized examples of closed multifamily executions

Borrower and property identity omitted. Rate ranges are illustrative of market at close.

48

units

TX

Agency (Fannie)

5.75–6.05%

2025

72

units

FL

Bridge-to-agency

SOFR + 350–450

2025

24

units

NC

Bank portfolio

6.25–6.50%

2024

96

units

AZ

Debt fund

7.50–7.85%

2024

36

units

TN

Agency (Freddie)

5.95–6.20%

2025

Capital path 5+ unit US
This site
Multi-Family USA
Sisters
Network
01 Asset

5+ unit apartments

1–4 DSCR or Canadian CMHC/MLI

02 Capital

Agency, bridge, bank, debt fund

Residential DSCR or MLI Select

03 Role

Matching to licensed US lenders

Sister desks, not this site

Related resources in the LendCity network

Multi-Family USA is the US 5+ unit commercial multifamily satellite. Canadian CMHC/MLI stays on lendcity.ca; 1–4 unit residential DSCR stays on DSCR Authority. Book a strategy call here for US multifamily financing.

FAQ

Frequently asked questions

What does Multi-Family USA cover?
US commercial multifamily financing for properties with five or more units — agency (Fannie/Freddie), bridge, bank, debt fund, commercial DSCR underwriting, calculators, market context, and free deal reviews. Canadian CMHC/MLI lives on lendcity.ca, not here.
Is this the same as LendCity’s Canadian CMHC hub?
No. Multi-Family USA is the US multifamily satellite. For Canadian CMHC MLI Select and insured multifamily, use LendCity multifamily financing. Book a strategy call here when your deal is US 5+ unit execution.
Does Multi-Family USA cover single-family or 1–4 unit DSCR loans?
No. For 1–4 unit US rental DSCR loans, use our sister site DSCR Authority. Multi-Family USA focuses on 5+ unit commercial execution.
How do I get help with a live multifamily deal?
Book a LendCity strategy call for a live walkthrough, or submit a free deal review with your rent roll or T-12. No credit pull is required for either option.
What metrics should I model before requesting quotes?
Most lenders size on DSCR, debt yield, and LTV together. Use our calculator suite to stress NOI, cap rate, debt service, and proceeds before sending assumptions to lenders.
Related Resources A–Z

resources

Hand-picked next steps — go deeper, compare alternatives, or run the numbers.

Ready to Structure Your Next Multifamily Deal?

Multi-Family USA helps sponsors choose the right debt path — agency, bridge, bank, CMBS, or FHA — and pressure-test underwriting.

Book a call Deal review