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.
Rates starting at 6.85%
Based on credit and economics of the deal
Up to 75% LTV
Customizable prepayment structures
Rate buydowns available
5/6 and 10/6 ARM Options available
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.
Get in Touch
Just Funded Projects
June 2022
Fix & Flip
- Weiser, ID
Purchase Price
170,000
Renovation Budget
59,000
Loan Amount
207,000
After Repair Value
309,000
July 2022
Fix & Flip
- Washington, DC
Purchase Price
255,000
Renovation Budget
80,000
Loan Amount
296,750
After Repair Value
450,000
December 2021
Fix & Flip
- Centerreach, NY
Purchase Price
340,000
Renovation Budget
46,050
Loan Amount
321,300
After Repair Value
459,000
November 2021
Fix & Flip
- Hartford, CT
Purchase Price
149,000
Renovation Budget
70,000
Loan Amount
196,650
After Repair Value
290,000
November 2021
Fix & Flip
- Philidelphia, PA
Purchase Price
130,000
Renovation Budget
105,300
Loan Amount
209,300
After Repair Value
335,000
November 2021
Fix & Flip
- Philidelphia, PA
Purchase Price
62,000
Renovation Budget
60,000
Loan Amount
106,500
After Repair Value
176,000
November 2021
Fix & Flip
- North Babylon, NY
Purchase Price
310,000
Renovation Budget
32,750
Loan Amount
311,750
After Repair Value
495,000
November 2021
Fix & Flip
- East Hampton, NY
Purchase Price
1,250,000
Renovation Budget
577,465
Loan Amount
1,577,465
After Repair Value
2,487,500
November 2021
Fix & Flip
- Jersey City, NJ
Purchase Price
525,000
Renovation Budget
240,650
Loan Amount
848,800
After Repair Value
831,000
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
How It Works
Easy Steps to Get Funded
Receive a proof of funds
Get verification of your funding capacity.
Source a property
Find the right property to invest in.
Provide requested documentation
Submit essential documents for approval.
Close your Loan
Finalize the deal and secure your funding.
