Multifamily Loans of 5 units or more fall into the commercial category of loans and are underwritten using the DCR (Debt Coverage Ratio). These loans are the de facto standard for income-producing real estate. The loan is based on the property’s net operating income and the lender’s required DCR ratio, which measures the property’s ability to generate enough cash flow to cover the loan payments. In other words, the loan is underwritten based on the property’s ability to pay back the loan rather than the borrower’s creditworthiness. DCR loans are typically offered by commercial banks, life insurance companies, and other institutional lenders, and often require a down payment of 35% or more of the property’s value. Allow us to shop for a loan amongst the commercial banks we work with to find you the best loan for your building.

Credit Score, Loan to Value, and Experience can also influence the downpayment amount and interest rate.

Start here to apply for a Multifamily Loan

Please upload your rent roll along with unit mix

Loans are performed through CB Loans Located at 116 S. Catalina Avenue, Suite 111, Redondo Beach, CA 90277. GT Investments and some of its Agents are Loan Officers at CB loans. GT Investments is not a Mortgage Brokerage.


DRE# 01020470
DFPI# 603-0686
NMLS# 358-342
DBO# 603-0686

GT Investments DRE# 01841913 | NMLS# 1990345

GT Investments