RATES STARTING AT 10.50%*
Multi-Family Construction Loans – Capital for Scalable Residential Developments
Strategic Financing for Multi-Family & Mixed-Use Developments
At Trans-Bay Capital, we provide tailored multi-family construction financing to support ground-up development and value-add projects for investors, developers, and builders. Whether you’re constructing multi-unit rental properties, apartment complexes, or mixed-use developments, our structured lending solutions ensure you have the capital and flexibility to complete your project efficiently.
As a direct lender, we offer competitive terms, fast approvals, and draw-based funding, helping experienced developers scale projects with confidence.
Why Choose Trans-Bay Capital for Multi-Family Construction Loans?
Loan Amounts from $500,000 to $5,000,000 – Capital solutions for mid-size to large-scale developments.
Up to 85% Loan-to-Cost Financing – Cover land acquisition, materials, and construction costs.
Interest-Only Payments – Preserve cash flow during the build process.
Staged Draw Disbursements – Funds released based on project milestones to keep development on track.
Fast Approvals & Closings – Pre-qualification within 24 hours, closings in 3-4 weeks.
No Prepayment Penalties – Flexibility to exit the loan early upon stabilization.
Multi-Family Construction Loans
LOAN AMOUNT
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Min: $500,000
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Max: $5,000,000 (Up to $10,000,000 on a case by case basis)
TERM LENGTH
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12 to 24 Months
PROPERTY TYPES
Multi-Family:
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5+ Unit Properties
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Mixed-Use Properties
LOAN TYPES
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Interest Only
MAX LTV
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Up to 70% on Purchases
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Up to 60% for Refi/Term
MAX LOAN TO ARV
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Up to 65%
MAX LTC
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Up to 85% w/ interest reserve, w/o interest reserve, 80%
RECOURSE
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Full Recourse with Pledge of Equity of Borrowing Entity
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Non-Recourse Options Available
FICO
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Midscore 680
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For Non-Recourse 700
Who Qualifies for a Multi-Family Construction Loan?
✔ Real estate developers constructing multi-family or mixed-use properties.
✔ Investors looking to build large-scale rental portfolios.
✔ Builders seeking capital for land acquisition and development costs.
✔ Developers planning ground-up projects in high-demand rental markets.
How Our Multi-Family Construction Loan Process Works
Step 1: Submit Loan Inquiry – Provide project details and receive pre-qualification within 24 hours.
Step 2: Loan Structuring & Underwriting – Customized financing aligned with your budget and timeline.
Step 3: Closing & Initial Funding – Capital secured in 3-4 weeks.
Step 4: Draw Disbursements – Funds released based on construction phases and inspections.
Build Beyond Limits – Secure Capital for Your Next Development
The right financing turns vision into reality. Whether you're developing multi-family residences or mixed-use spaces, we provide tailored capital solutions to ensure seamless execution. Let’s structure the right funding strategy for your next project.
Let's Talk
Fill out the form below, and one of our knowledgeable sales team members will contact you directly to discuss your goals and address any questions you may have.
Brokers: Partner with Us & Elevate Your Success
Join Trans-Bay Capital and gain access to exclusive lending opportunities, expert resources, and competitive compensation structures. Partnering with us means leveraging our industry expertise and direct lending advantage to better serve your clients and grow your business.
Register below to start collaborating with a team that’s committed to your success.
States Where We Provide Lending
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