Multifamily / Mixed-Use
In urban areas all over the country, these properties represent a growing source of profit and opportunity for real estate investors looking to diversify their portfolio and begin building generational wealth. Our Multifamily and Mixed-Use Loan Programs offer permanent financing, allowing real estate investors to purchase or refinance multifamily residential properties with five or more units – or even mixed-use properties.
Up to 75% LTV.
Can-do mixed-use properties in addition to multi units
4 week turnaround time
Minimum 150k loan amount
Multifamily & Mixed-Use Loan Solutions: Flexible Financing for Purchase & Refinance
At Insula Capital Group, we recognize the unique challenges and opportunities that come with multifamily and mixed-use properties. Whether you’re acquiring a cash-flowing asset or restructuring an existing one for better terms, our loan programs are designed to support your investment strategy from acquisition to stabilization.
Purchase Loans for Multifamily & Mixed-Use Properties
Ideal for real estate investors looking to acquire income-producing residential or mixed-use buildings.
Our purchase loans are tailored to help you move quickly on high-potential assets—whether they need minor updates or full repositioning.
Use Case Scenarios:
- Acquiring a value-add multifamily property in an emerging neighborhood
- Purchasing a mixed-use building with retail and residential units
- Buying an underperforming asset to reposition or redevelop
Loan Highlights:
- Up to 80% Loan-to-Cost (LTC)
- Funds available for both acquisition and renovation
- No income or tax return documentation required
- Interest-only options during the value-add or lease-up period
- Close in as little as 10–14 days
- Nationwide availability for 5+ unit properties
With Insula’s purchase financing, you can secure prime assets, boost property value, and stabilize cash flow—without the delays of conventional bank underwriting.
Refinance Loans for Multifamily & Mixed-Use Properties
Already own a multifamily or mixed-use asset but need more capital, better terms, or a new direction?
Our refinance loans are designed to help reposition your project, unlock trapped equity, or transition from bridge financing into long-term stability.
Use Case Scenarios:
- Current loan is maturing or carries unfavorable terms
- Property renovations are complete and it’s time to tap into increased value
- Need to cover holding costs or restructure capital stack
- Looking to transition into permanent or rental-based financing
Loan Highlights:
- Refinance up to 75% of current market value
- Cash-out options available based on stabilized or improved value
- Interest-only and flexible amortization options
- Fast closings—even mid-renovation or during lease-up
- No prepayment penalties on short-term structures
- Ability to roll fees or deferred interest into the loan
Our refinance programs give you the flexibility to scale your portfolio, reduce pressure from balloon notes or tight timelines, and make the most of your property’s potential.
Financing Options
Two financing options available to tailor your loan to match the cost and complexity of your project.
LIGHT REHAB
Loan Purpose:
- Purchase
- Or
- Rate & Term Refinance
Maximum Loan to Cost:
- Purchase: 80% Purchase Price and 100% Renovation
- Rate/Term Refinance: 70% As-is value and 100% Renovation
HEAVY REHAB
Loan Purpose:
- Purchase
- Or
- Rate & Term Refinance
Maximum Loan to Cost:
- 80% of Total Costs
Ready to apply for a Multifamily / Mixed-Use loan?
Get in touch with our experienced team for more details about our financing services.
Testimonials
What Our Client Say
Just completed my mortgage refi with Insula, and I couldn’t be happier! Bruce, my lender, was absolutely fantastic—professional, responsive, and made the entire process smooth and stress-free. Highly recommend Insula and Bruce for anyone looking to refinance!
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