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Multi-Family Apartment Loans
Multi-Family Apartment Loan
Financing Your Income-Producing Multi-Family Property with eQcho Capital
Investing in multi-family properties can be a lucrative venture, particularly when these properties are income-producing. At eQcho Capital, we understand the unique financial needs of multi-family apartment owners and developers. We offer a specialized loan option tailored to support your investment, ensuring that you can maximize your returns while maintaining financial stability.
Loan Terms Designed for Income-Producing Properties
Our multi-family apartment loan is structured with flexibility and competitive terms to meet the diverse needs of property owners. Whether you are looking to purchase a new property, refinance an existing one, or secure funds for renovations, our loan options are designed to fit your objectives.
Apply for Your Multi-Family Apartment Loan Today!
Focusing on Debt Service Coverage Ratio (DSCR)
At eQcho Capital, we emphasize the importance of the Debt Service Coverage Ratio (DSCR) in our lending process. For multi-family and commercial properties, we require a DSCR of 1.15, while single-family rental properties must maintain a DSCR of 1.1. These ratios ensure that your property generates enough income to cover its debt obligations, reducing the risk of default and helping you maintain long-term financial health.
A strong DSCR is a key indicator of a property’s ability to produce consistent income, which is crucial for both your financial success and ours. By setting these standards, we help you secure financing that aligns with your property’s performance, providing a solid foundation for future growth.
“Wow, a big thank you, Eqcho Capital. Robert was fantastic to work with. He was persistent in getting the job done, coordinating with the appraisal, underwriting, and the title company. Robert’s group at Eqcho Capital did a great job. I’m extremely satisfied and would highly recommend Eqcho Capital as a funding resource. Looking forward to working with Robert and Eqcho Capital in the future.”
Terms, Interest Rates, Loan Amounts, LTV & Guarantee Info
- Term Options: We offer loan terms of 10, 20, or 30 years, allowing you to choose the duration that best aligns with your financial strategy. Longer terms can provide lower monthly payments, which can be especially beneficial for properties with stable, long-term income streams.
- Interest Rates and Points: Our loans are offered at market rates with competitive points, ensuring that you receive fair and transparent pricing. We monitor the market closely to provide you with the most favorable terms possible, helping you keep your costs low while maximizing your property’s profitability.
- Loan Amounts: Whether you need a loan as small as $3 million or as large as $100 million, eQcho Capital can accommodate your financing needs. This wide range ensures that we can support projects of various scales, from smaller apartment buildings to large multi-family complexes.
- Loan to Value (LTV): With an LTV of 65%, you can leverage a significant portion of your property’s value while maintaining a healthy equity cushion. This balance helps protect both you and your investment, ensuring that you are not over-leveraged in your financial commitments.
- Personal Guarantee and Liquidity Requirements: As part of our commitment to responsible lending, we require a personal guarantee amounting to 10% of the loan value in liquidity. This requirement demonstrates your commitment to the investment while providing us with assurance of your financial capability.
Why Choose Us?
At eQcho Capital, we are more than just a lender. We are your partners in success, committed to providing financial solutions that are tailored to your specific needs. Our expertise in the multi-family sector, combined with our flexible loan terms and competitive rates, makes us the ideal choice for financing your income-producing property.
We understand the challenges and opportunities that come with owning and managing multi-family properties. Our goal is to provide you with the financial tools you need to thrive in this competitive market. Whether you are expanding your portfolio, upgrading existing properties, or stabilizing a recent acquisition, eQcho Capital is here to support your journey.
Explore our multi-family loan options today and discover how eQcho Capital can help you achieve your investment goals with confidence. For more information and to start the application process, send us an email at apply@eqcho.com.