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

    We are a leading nationwide private lender & real estate investment company.

    Financing Options

    Two financing options available to tailor your loan to match the cost and complexity of your project.

    LIGHT REHAB

    Loan Purpose:
    Maximum Loan to Cost:

    HEAVY REHAB

    Loan Purpose:
    Maximum Loan to Cost:

    How It Works

    Easy Steps to Get Funded

    Mask group (4)

    Receive a proof of funds

    Get verification of your funding capacity.

    Mask group (2)

    Source a property

    Find the right property to invest in.

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    Provide requested documentation

    Submit essential documents for approval.

    Mask group (1)

    Close your Loan

    Finalize the deal and secure your funding.

    Ed Stock

    Managing Partner/Founder

    With 30 years of real estate finance and investing experience, I have come across most of what the real estate and mortgage arena has to offer. As a full time real estate investor, I am always looking for new projects in the Fix and Flip market as well as the holding of long term rentals. At Insula Capital Group, I have successfully placed many new investors on the course to aquiring and managing their own real estate portfolios.