Sofla.
Loan Program

Multi-Family Investment

No income verification financing for apartment buildings and commercial investment properties

Our multi-family program provides financing for borrowers who don't fit the traditional bank model but don't want the crippling fees of hard money. With no income verification required and loan amounts from $75K to $5MM, this program is built for serious real estate investors operating at scale.

Who This Is For

Investors purchasing or refinancing apartment buildings (5+ units)

Commercial real estate investors looking for non-hard-money alternatives

Borrowers financing mixed-use or commercial investment properties nationwide

Real estate operators who cannot document income through traditional means

Requirements

Loan Amounts$75,000 – $5,000,000
Loan-to-ValueUp to 75% LTV
Starting RateAs low as 8.50%
Income VerificationNot required
Property TypesMulti-family (5+ units), commercial investment
Geographic AvailabilityNationwide

How Sofla Helps

Our AI qualification engine handles the heavy lifting so you can focus on closing.

AI qualification assesses property type, loan size, and LTV to match borrowers to the multi-family program

No-income-doc path activated for eligible investors — no tax returns or paystubs collected

Loan amount and LTV analysis ensures the deal fits within program parameters before submission

Connects investors to lenders with dedicated multi-family and commercial investment programs

Get Qualified for Multi-Family Investment

A few questions. A real score. The exact document list for your loan type.

Start Qualification