Multi-Family Real Estate Financing

Finance, Refinance, or Reposition Your Multi-Family Property

Bridge and conventional loans from $1MM to $30MM for garden-style, mid-rise, workforce, and student housing — up to 75% LTV. Built for sponsors with a clear business plan on acquisitions, refinances, and value-add repositioning

Apply for a Loan →Schedule a Call

Street view of modern brick multifamily homes with balconies, parked cars, and trees in front.

Since 2002 · $6.5B+ Funded · $1B AUM

Flexible Financing for Multi-Family Properties

AVANA provides bridge and conventional financing from $1M to $30M for garden-style, mid-rise, workforce, and student housing. Built for experienced sponsors with a clear business plan, we structure debt around acquisitions, refinances, and value-add repositioning — up to 75% LTV, aligned with how the asset actually performs.

Every Multi-Family Asset Class

Garden-style, mid-rise, workforce, and student housing — we know the demand and operating dynamics of each

Right Structure for the Strategy

Bridge for value-add and lease-up, conventional for stabilized holds — matched to your business plan, from one team

Straight, Fast Answers

A soft quote in 1–2 business days from a team that closes multi-family deals

Loan Options for Multi-Family

Bridge Loans

Short-term funding for acquisitions, heavy renovations, or repositionings ahead of agency or long-term take-out.

Explore Bridge Program →

Conventional Term Loans

Medium- to long-term loans for stabilized properties, supporting recapitalizations and acquisitions.

Explore Conventional Program →

Key Terms & Structures

Rates and structures vary depending on loan type and borrower qualifications

Loan Sizes

Typically $1MM to $30MM.

Terms

Short-term bridge up to 3 years; mid-term term loans up to 10 years.

Leverage

Up to 75% LTV

Pricing

Indexed to SOFR or CMT with program-specific spreads

Extensions

Select bridge programs may offer extension options subject to performance.

Use of Proceeds

Multi-family loan proceeds can support

Acquiring stabilized or value-add multifamily assets

Refinancing existing loans, including cash-out for approved business purposes

Funding interior and exterior renovations, amenity upgrades, and unit repositionings

Bridging to agency take-out following lease-up or stabilization.

Institutional Capital Behind Your Deal

Through the AVANA–Oaktree Private Credit Partnership, we deliver institutional-grade bridge financing to experienced multifamily sponsors — combining AVANA's sector expertise with Oaktree's private-credit platform to sharpen pricing and accelerate funding timelines

Hotel entrance with large pillars, palm trees, and evening lighting under blue sky.

A Streamlined Process

We make financing simple, transparent, and fast from application to funding

Submit Application

Submit your application with pre-qualification documents. We’ll review and issue a soft quote within 1-2 business days

Review

We review initial documents and confirm loan structure and key terms. If the deal meets criteria, we issue a Letter of Intent with proposed terms

Approval & Terms

We complete underwriting and order third-party reports as needed. Credit team issues final approval when complete (timing can vary)

Closing & Funding

We prepare final loan documents, open escrow, and coordinate closing. Funds are released once closing requirements are met

Proven Success Stories

We’ve helped businesses across industries

Featured

May 9, 2024

3-Story Transitional Hotel

Loan Purpose:

Cash-Out Refinance

Asset Class:

Multi-Family

Loan Amount:

12,000,000

Featured

September 9, 2021

Issak MT Retail

Loan Purpose:

Cash-Out Refinance

Asset Class:

Multi-Family

Loan Amount:

2,000,000

Frequently Asked Questions

Find answers to common questions

Do you offer multifamily acquisition or refinance loans?

Yes. AVANA provides bridge and conventional term loans for stabilized or value-add multifamily, including garden-style, mid-rise, and workforce housing.

Can I use a bridge loan to renovate or reposition a multifamily property?

Yes—bridge capital is well suited for value-add strategies like rehab, lease-up, or recapitalization before permanent take-out financing.

Do you finance affordable or mixed-income multifamily?

Yes. We consider market-rate, mixed-income, and LIHTC-supported properties, subject to location and performance.

Do you offer ground-up construction for multifamily?

No—AVANA does not currently offer ground-up construction loans for multifamily developments.

Ready to Get Started?

Ready to move your project forward? Complete a short online form to share your property details, capital needs, and timing.

Apply for a Loan →Schedule a Call ↗

Insights

May 28, 2026

When the SBA Process Gets Complicated, You Need a Lender Who Has Been There Before



Education

May 5, 2026

White Paper: How Credit Unions Can Serve the Real Estate Financing Needs of Younger Business Owners



Education

April 3, 2026

What Kills a Multifamily Deal Late in the Process and How Brokers Can Prevent It



Education

Our Team

About Sanat Patel

As Chief Lending Officer at AVANA Companies and Chair of the Board at AVANA Bank, Sanat Patel brings more than three decades of experience in financial services, private credit and commercial banking, with a proven track record in loan structuring, risk management, and balance sheet growth. Sanat has led strategic initiatives that connect institutional capital with entrepreneurial ambition, supporting the growth of businesses, and owners engaged in commercial real estate across the U.S. He has built and scaled lending platforms in partnership with banks and credit unions, developing tailored financial solutions that drive job creation and foster inclusive economic development.

Sanat Patel

Chief Lending Officer