2026 Multifamily Financing Playbook
NOI, DSCR, and deal structures for 5+ unit assets — from rent-roll underwriting to bridge and permanent executions.
Underwriting & Qualification Matrix
| Program Lane | Unit Count | Max Leverage | Min DSCR / Debt Yield | Term / Amortization | Recourse |
|---|---|---|---|---|---|
| Multifamily Permanent | 5 – 100+ Units | 75% – 80% LTV | 1.20x – 1.25x / 8.5% DY | 5, 7, 10-Yr Fixed · 30-Yr Amort | Non-Recourse Avail. |
| Value-Add Multifamily Bridge | 5 – 150 Units | Up to 80% LTC | 1.00x In-Place (1.30x Exit) | 12 – 36 Mo IO + Extensions | Partial or Non-Recourse |
| Small-Balance 5–10 Unit DSCR | 5 – 10 Units | 75% LTV | 1.15x DSCR | 30-Yr Fixed or Hybrid ARM | Carve-Out or Full |
Core Playbook Execution Chapters
How We Underwrite T-12 Expenses and Pro-Forma Trade-Outs
Underwriting a 5+ unit building starts with the current certified rent roll and Trailing 12-Month (T-12) operating statement. We normalize vacancy to the higher of actual economic vacancy or 5%, verify post-acquisition real estate tax reassessment, and underwrite bound insurance policies.
Bridge-to-Permanent Execution on Value-Add Deals
When acquiring an under-managed building at 65% occupancy or 25% below-market rents, permanent debt sizes too low on day one. We fund up to 80% of purchase plus 100% of unit-turn cap-ex, then roll the stabilized asset into a 10-year permanent facility once 90% occupancy is reached for 90 days.
Frequently Answered Financing Questions
Verified answers to common borrower and broker inquiries regarding loan sizing, guidelines, and execution.
What is BancorpOne and is it a direct lender or mortgage broker?
BancorpOne is a commercial mortgage brokerage helping real estate investors, developers, and business owners finance commercial real estate. We act as capital advisors arranging commercial debt rather than a direct depository bank.
We evaluate property fundamentals, borrower requirements, and transaction dynamics to structure and place senior debt, bridge loans, construction facilities, DSCR loans, and permanent mortgages through institutional capital sources and balance-sheet lenders.
Get Financing Scenario Sized →What commercial property types does BancorpOne finance?
BancorpOne arranges financing across multifamily (5+ units), industrial & logistics warehouses, retail centers, office & medical outpatient facilities, mixed-use developments, hospitality properties, and other commercial real estate.
Each asset class involves tailored underwriting metrics: multifamily focuses on net operating income (NOI) and rent rolls, industrial on logistics access and tenant credit, retail on lease terms and co-tenancy, and hospitality on historical ADR and RevPAR.
Explore Core Property Types →What types of commercial real estate financing can BancorpOne arrange?
We arrange commercial acquisition financing, refinance and cash-out debt, bridge-to-permanent loans, ground-up construction facilities, DSCR rental mortgages, and long-term permanent mortgages.
Structures accommodate stabilized assets seeking fixed-rate long-term capital as well as transitional or value-add properties requiring short-term interest-only bridge capital with future funding reserves.
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