Flexible financing to scale your multi-family investments.

Investing in multi-family properties requires a financing solution that’s as flexible as your investment strategy. Whether you’re renovating, bridging to long-term financing, or securing a rental portfolio loan, our Multi-Family Loans provide up to 85% LTC, with 12-18 month terms (30 year loans are also available) and financing for residentially backed 5+ unit properties.

Is This For You?

Multi-Family Property Loans are ideal for real estate investors and developers looking to renovate, refinance, or build long-term wealth through rental income. Whether you’re upgrading a 5+ unit property, stabilizing a recent acquisition, or expanding your rental portfolio, we have a tailored solution for your strategy.

Here’s how our loan types break down:

  • 5+ Unit Renovation Loan – Includes construction funds to help you add value and increase property ROI.
  • 5+ Unit Bridge Loan – Gives you the short-term capital needed while you secure longer-term financing or stabilize occupancy.
  • 5-8 Units DSCR Loan – Designed for buy-and-hold investors, this long-term option is based on the property’s rental income—not your personal income.

Quick Facts 

  • Loan Types: 5+ Unit Renovation, 5+ Unit Bridge, 5-8 Unit DSCR Loan
  • Loan-to-Cost (LTC): Up to 85%
  • Term Length: 12-18 months, 30 years for 5-8 Unit DSCR Loans
  • Property Types: Residentially backed 5+ unit properties
  • Credit Requirements: Varies by loan type
  • Exit Strategies: Bridge to long-term financing, rental portfolio growth, resale after renovation

Why Choose WCP for Multi-Family Loans?

  • Your Access to Success

    Get fast, reliable funding with expert underwriting so you can secure deals and scale your portfolio with confidence.
  • Invested In You

    Whether you’re an experienced investor or expanding into multi-family properties, our dedicated loan officer will help you navigate financing with ease.
  • Personalized to Your Goals

    Multi-family investments require tailored solutions—and we deliver. We customize loan structures based on your property type, strategy, and timeline.
  • You Have Our Word

    No surprises, no delays. We commit to transparent loan terms and reliable closings so you can move forward without financial setbacks.

4 Easy Steps To Get Funding

01. Prequalify

Prequalify

Connect with a loan officer to discuss your project by filling out our form below or calling us directly at 703-348-0549.

02. Apply

Apply

Submit your property and borrower details for approval.

03. Loan Underwriting & Approval

Loan Underwriting & Approval

The first time through, we keep it simple. If you’re a returning borrower, we already know you—so approvals get faster and easier every time. No need to submit the same documents over and over.

04. Close & Fund

Close & Fund

When WCP commits, we deliver. No surprises, no letdowns – just the funding you were promised, so you can secure deals with confidence.

Our Loan Officers

Real people. Real expertise. Real support.

At WCP, you’re not just another loan application – we become invested in you and your success. When you reach out, you’ll be speaking with an experienced loan officer who knows the market inside out and is committed to giving everyone a chance to succeed.

FAQs: What Investors Ask Most

Have more questions?

What types of Multi-Family Loans do we offer?

  • 5+ Unit Renovation Loan – Includes construction funds to add value to the property.
  • 5+ Unit Bridge Loan – Provides time to secure long-term financing while acquiring or stabilizing a property.
  • 5-8 Units DSCR Loan – Long-term financing for buy-and-hold investors, focusing on the property’s rental income rather than personal income.

What are the loan-to-cost (LTC) and loan-to-value (LTV) limits?

Up to 85% LTC

What are the typical loan terms?

12-18 months

What types of properties qualify?

Residentially backed 5+ unit properties

What makes WCP different in Multi-Family Lending?

We offer flexible, customized financing designed specifically for multi-family investors. Plus, we provide in-house BRRRR (Buy, Renovate, Rent, Refinance, Repeat) capabilities, allowing investors to scale rental portfolios without leaving WCP.

Secure Fast, Reliable Multi-Family Financing

Partner with WCP for flexible multi-family funding, competitive LTC, and a lender that follows through.

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