Multifamily Loans

Unlike traditional loans that rely heavily on your personal income, credit history, or tax returns, DSCR loans focus on the cash flow of the investment property itself.

Agency Loans

Backed by government-sponsored enterprises like Fannie Mae or Freddie Mac, agency loans are a strong fit for stabilized properties with solid rent rolls. These loans offer competitive interest rates, longer terms, and options for non-recourse, making them ideal for experienced investors focused on long-term holds.

Fit Agency Loans

We offer loans that are tailored for smaller properties or newer investors who don’t quite meet the criteria for traditional agency financing. Fit agency loans offer a flexible path into the agency ecosystem with lighter documentation, quicker underwriting, and scalable loan sizes.

Bridge Loans for Multifamily Properties

Need to move fast on a value-add deal? Bridge loans provide short-term capital to acquire or rehab multifamily properties before refinancing into permanent debt. Ideal for properties that aren’t yet stabilized, these loans allow you to unlock equity and reposition your asset on your timeline.

Multifamily Construction Loans

From raw land to ribbon cutting, our construction loans are designed to support ground-up developments and major renovations. Funds are disbursed in stages based on your construction milestones, giving you predictable capital flow and control over your project.

Benefits of Multifamily Loans

Multifamily real estate is one of the most stable and scalable investment classes available. Multifamily loans provide access to:

• Consistent cash flow from multiple rental units
• Scalability through larger acquisitions under one roof
• Favorable financing terms compared to single-family investment loans
• Portfolio growth via refinancing or property bundling
• Passive income potential with long-term holds
• Whether you’re buying, refinancing, or constructing a multifamily property, the right loan can significantly improve your bottom line.

Why Use a Multifamily Loan?

Multifamily loans offer a range of benefits that make them attractive for portfolio growth, income generation, and long-term stability.

Steady Cash Flow

Multiple units mean multiple rental income streams. Even with occasional vacancies, your property can continue generating income.

Portfolio Scalability

Multifamily loans allow you to acquire more units with a single loan. Managing and financing 10 units under one roof is often easier than managing 10 single-family homes.

Competitive Terms

Multifamily financing can come with longer amortization schedules, lower interest rates, and more favorable lending terms—especially if your property has strong cash flow.

Reduced Risk Through Diversification

With multiple tenants, you’re less exposed to the risks of vacancy or non-payment. A four-unit building losing one tenant is far less impactful than a single-family rental going empty.

The Barrett Funding Advantage

We’re not a bank. We’re a real estate investor’s partner. Barrett Funding helps you win deals, close fast, and build lasting wealth. Our multifamily loan process is designed to be clear, responsive, and investor-friendly at every stage.

Speed

Get matched with a loan program in hours, not weeks. Our streamlined prequalification and approval process helps you act quickly in competitive markets.

Expertise

We don’t just fund deals—we understand them. Our team brings years of experience in real estate, lending, and investment strategy.

Creative Solutions

Unique borrower profile? Non-traditional property type? No problem. We structure loans to fit your goals, not restrict them.

Real Support

You’ll have a dedicated lending partner from start to finish—no hand-offs, no phone trees, no guessing where your file stands.