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.
No credit pull. US multifamily only. Your info is shared only for deal review follow-up.
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!”
“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.”
“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!”
“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.”
“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.”
“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!!”
What you can do on this site
Underwrite, compare capital, then request a lender-fit review.
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Learn
Plain-English guidance for agency, bridge, debt fund, and bank multifamily execution.
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Tools
Analyze NOI, cap rate, DSCR, debt yield, cash-on-cash, and loan sizing in minutes.
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Markets
51-state multifamily financing overviews plus city-level market snapshots.
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Compare
Compare loan products and execution paths by cost of capital, proceeds, and flexibility.
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Invest
Profiles and decision frameworks for first-time and institutional multifamily operators.
Multi-Family USA helps sponsors choose the right debt path — agency, bridge, bank, CMBS, or FHA — and pressure-test underwriting.
Anonymized examples of closed multifamily executions
Borrower and property identity omitted. Rate ranges are illustrative of market at close.
48
TX
Agency (Fannie)
5.75–6.05%
2025
72
FL
Bridge-to-agency
SOFR + 350–450
2025
24
NC
Bank portfolio
6.25–6.50%
2024
96
AZ
Debt fund
7.50–7.85%
2024
36
TN
Agency (Freddie)
5.95–6.20%
2025
- Asset
- 5+ unit apartments
- 1–4 DSCR or Canadian CMHC/MLI
- Capital
- Agency, bridge, bank, debt fund
- Residential DSCR or MLI Select
- Role
- Matching to licensed US lenders
- Sister desks, not this site
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5+ unit apartments
1–4 DSCR or Canadian CMHC/MLI
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Agency, bridge, bank, debt fund
Residential DSCR or MLI Select
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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.
DSCR Authority — US 1–4 unit DSCR
Canonical ACTION for residential DSCR (1–4 units): calculators, state guides, and lender matching — not this site.
LendCity — Canadian multifamily & CMHC MLI
Canonical ACTION for CMHC MLI Select and Canadian multifamily — do not clone those guides on Multi-Family USA.
LendCity — Cross-border financing
Canadians buying US rental or multifamily — entity and lender-fit planning on the hub.
Frequently asked questions
What does Multi-Family USA cover?
Is this the same as LendCity’s Canadian CMHC hub?
Does Multi-Family USA cover single-family or 1–4 unit DSCR loans?
How do I get help with a live multifamily deal?
What metrics should I model before requesting quotes?
Related
resources
Hand-picked next steps — go deeper, compare alternatives, or run the numbers.
- What is US multifamily (5+ units)
The commercial 5+ unit definition, why residential DSCR does not apply, and how this site is structured.
- Commercial DSCR calculator
Stress-test rent versus PITIA coverage for 5+ unit deals.
- Loan sizing calculator
Back into max proceeds from a DSCR target, with LTV context.
- Agency stabilized loans
Fannie Mae and Freddie Mac execution for cash-flowing apartments.
- Agency vs bridge
When to take out with agency versus bridging a value-add plan.
- State financing guides
Taxes, foreclosure timing, and lender posture by state.