Multifamily hard money | sunbelt
Lending Criteria
MidPoint's Multifamily Hard Money Sunbelt program is built for investors who need fast, asset-driven capital on multifamily properties in the country's strongest growth markets — no credit requirements, no financials, no delays.
Loan Details
• Available in AZ, CO, GA, TN, TX, and NC
• Multifamily properties — all unit counts
• Up to 75% LTV
• Asset-driven underwriting — no credit score or personal financials required
• Soft credit check only
• No prepayment penalty
• Close in 3–5 business days (as fast as 24–48 hours)
• Terms from 6 to 36 months
• Rates from 9.9% — structured per deal
Who It's For
Multifamily investors in Sunbelt markets who need to move fast on acquisitions, rehab, lease-up, or repositioning plays. Whether you're stabilizing a value-add deal or navigating a maturity default, this program is built around the asset — not your credit file.
How It Works
Submit the property and your business plan. MidPoint underwrites to the asset and the market — no tax returns, no income docs, no lengthy approval process. Get a decision fast and close in days so you can execute before the opportunity is gone.
MCP Multifamily Hard Money | Sunbelt
MCP Intermediate Whole Loan | Value Add
MCP Intermediate Whole Loan | Value Add
MCP Intermediate Whole Loan | Value Add
MCP Intermediate Whole Loan | Value Add
MCP Intermediate Whole Loan | Value Add
Loan Products
Fix & Flip
When you find the deal, we fund it — fast. Our fix & flip programs cover $75K to $3M, up to 95% LTC for experienced investors, 100% renovation funded, and closings in 2 weeks or less. No appraisal required under $750K. No prepayment penalty. We also offer a Sunbelt-specific program with closings in as little as 24 hours across AZ, CO, GA, TN, TX, and NC. If the numbers work, we'll make it happen.
Bridge Loan
Need to move fast on an acquisition, refi, or value-add deal? Our bridge loan programs offer short-term financing from $100K to $75M across residential and commercial properties — with LTV up to 75%, interest-only terms, and closings in as few as 24 hours. No DSCR requirement on select programs. We bridge the gap while you execute the plan.
Construction Loan
From spec homes to large-scale commercial development, MidPoint has a construction program built for it. We fund ground-up residential construction from $75K to $1.5M and institutional commercial projects up to $75M — with flexible draw schedules, interest-only terms, and closings built around your timeline, not ours.
DSCR & Rental Loans
Qualify based on the property's cash flow — not your personal income. Our DSCR rental loan programs cover 1–4 unit properties, condos, and short-term rentals up to $3M, with LTV up to 85% and no tax returns required. Built for buy-and-hold investors who want a clean, scalable financing solution.
Multifamily
From small multifamily acquisitions to large-scale apartment repositioning, MidPoint has the right capital stack for the deal. Our multifamily programs cover bridge financing from $100K to $50M, ground-up construction up to $75M, and DSCR rental loans up to $3M — with LTV up to 85% and no personal income required on select programs. Value-add, stabilized, lease-up, or new construction — we fund it all.