Hard Money Lenders of Los Angeles
Multi-Family Properties - hard money loans Los Angeles

Borrower Solutions

Multi-Family Properties in Los Angeles, CA

Fast, flexible financing for duplexes, triplexes, apartment buildings, and multi-family investments throughout Los Angeles County

Financing for Multi-Family Properties

Multi-family property investments represent one of the most stable and lucrative segments of the Los Angeles real estate market. Whether you're acquiring your first duplex in Silver Lake or expanding your portfolio with a 50-unit apartment complex in Downtown LA, securing the right financing is crucial to your success. Hard money loans for multi-family properties provide investors with the speed, flexibility, and leverage needed to capitalize on opportunities in this competitive market.

Los Angeles multi-family investors face unique challenges, from rent control regulations to high property values and intense competition. Traditional bank financing often moves too slowly for time-sensitive deals, and strict qualification requirements can prevent qualified investors from moving forward. Hard money lending bridges this gap, offering asset-based financing that focuses on the property's income potential rather than the borrower's personal financial history.
Our multi-family hard money loan programs are designed specifically for investors who need to act quickly. With loan amounts ranging from $200,000 to $15 million, we can finance properties from small duplexes to large apartment complexes. Our streamlined approval process and fast closings, typically 7-14 days, give you a significant advantage in Los Angeles' fast-paced multi-family market.

Benefits for Multi-Family Properties

We understand the unique financing needs of multi-family properties in the Los Angeles market. Our programs offer specialized solutions designed for your success.

Loans for 2-100+ unit properties
Cash-out refinancing available
Value-add project funding
Portfolio loan options

Get Started Today

Ready to explore financing options for Multi-Family Properties? Our team is here to help.

Fast Approval
Competitive Rates
Dedicated Support
Call (213) 667-4815

How We Help Multi-Family Properties

Multi-family hard money loans serve a variety of investment strategies in the Los Angeles market. Acquisition financing allows investors to purchase properties quickly, often beating out competing offers that rely on slower conventional financing. This is particularly valuable in desirable neighborhoods like Santa Monica, Pasadena, and Koreatown, where well-located multi-family properties receive multiple offers within days of listing.

Value-add projects represent another major application for multi-family hard money loans. Los Angeles has thousands of older apartment buildings that need renovation to command market rents. Our renovation financing covers both the acquisition and rehab costs, allowing investors to transform underperforming properties into premium rental assets. Common improvements include kitchen and bathroom updates, flooring replacement, exterior painting, and amenity upgrades like in-unit washers and dryers.

Cash-out refinancing provides existing multi-family owners with access to their equity for portfolio expansion or property improvements. If you own a multi-family property in Los Angeles with significant appreciation, a hard money cash-out refinance can provide capital for your next investment without the lengthy approval process of traditional banks. This strategy is particularly effective for investors who purchased properties several years ago and have benefited from substantial value increases.

Portfolio loans allow experienced investors to leverage multiple properties or cross-collateralize assets for larger acquisitions. For investors building substantial multi-family portfolios throughout Los Angeles County, portfolio lending simplifies financing and can provide better terms than individual property loans. This approach works well for investors focusing on specific submarkets or property types within the multi-family sector.

Program Benefits

Loans for 2-100+ unit properties

Take advantage of our specialized loans for 2-100+ unit properties designed specifically for multi-family properties.

Cash-out refinancing available

Take advantage of our specialized cash-out refinancing available designed specifically for multi-family properties.

Value-add project funding

Take advantage of our specialized value-add project funding designed specifically for multi-family properties.

Portfolio loan options

Take advantage of our specialized portfolio loan options designed specifically for multi-family properties.

Frequently Asked Questions

What types of multi-family properties qualify for hard money loans?

We finance all types of multi-family properties including duplexes, triplexes, fourplexes, apartment buildings with 5-100+ units, and mixed-use properties with residential components. Both stabilized properties performing properties and value-add opportunities requiring renovation qualify. Properties can be in any condition, from fully renovated to those needing substantial improvements. We lend on properties throughout Los Angeles County, including rent-controlled buildings, though terms may vary based on specific regulatory environments.

What loan-to-value (LTV) ratios are available for multi-family properties?

We typically offer up to 75% LTV for stabilized multi-family properties with strong cash flow. For value-add acquisitions, we can lend up to 85% of purchase price plus 100% of renovation costs based on the after-repair value (ARV). Cross-collateralization with other properties can increase effective leverage for portfolio investors. Down payment requirements vary based on property type, location, and borrower experience, with seasoned multi-family investors often qualifying for more favorable terms.

How does the loan process work for rent-controlled properties in Los Angeles?

Our underwriting team is experienced with Los Angeles rent control regulations including the Rent Stabilization Ordinance (RSO). We evaluate properties based on current legal rents, vacancy decontrol opportunities, and allowable annual increases. For value-add projects, we consider the potential for vacancy repositioning to market rates. While rent control affects cash flow projections, it does not prevent financing. We work with investors to structure loans that account for regulatory constraints while still achieving investment objectives.

Can I get financing for a multi-family property that needs major renovation?

Yes, our renovation loans for multi-family properties cover both acquisition and construction costs. We can finance properties in any condition, including those requiring extensive rehabilitation. Loan amounts are based on the after-repair value (ARV), allowing for higher leverage on strong value-add opportunities. Funds are disbursed in draws as work is completed, and our draw process is typically completed within 48 hours of request. We work with your contractor to establish draw schedules that keep the project funded and on track.

What documentation is required for multi-family property loans?

While we are more flexible than traditional lenders, we do require key documentation including the purchase contract, rent roll, operating statements for the trailing 12-24 months, property inspection reports, and a detailed budget for any planned renovations. For refinance transactions, we need current mortgage statements and property tax records. Unlike banks, we do not require extensive personal financial documentation, tax returns, or W-2s. Our focus is on the property's cash flow and value, making our process faster and more accessible for self-employed investors and those with complex financial situations.

Explore Other Borrower Types

Commercial Real Estate Investors

Tailored hard money loans for investors in office, retail, industrial, and mixed-use commercial properties.

Residential Flippers

Specialized financing for house flippers looking to purchase, renovate, and sell residential properties.

Construction Contractors

Hard money loans for licensed contractors building spec homes or developing properties.

Ready to Get Started?

Contact us today to discuss your financing needs as a Multi-Family Properties.

Call (213) 667-4815