Multifamily Intermediate Whole Loan | Value-Add
Lending Criteria
MidPoint's Value-Add Multifamily program is designed for operators who see the upside others don't — and need a capital partner who can underwrite to the business plan, not just today's numbers.
Loan Details
• Loan amounts from $5,000,000 to $50,000,000
• Up to 75% LTV on as-is value
• Floating rate: SOFR + 3.75%–4.50% depending on deal size and complexity
• Interest-only terms up to 24 months
• No DSCR requirement at origination
• Extensions available
• Close in 15 days or less
• Available nationally
Who It's For
Multifamily operators acquiring or recapitalizing properties with clear value-add upside — unit renovations, rent bumps, expense reduction, lease-up, or operational improvements. If the current numbers don't tell the full story, we underwrite to where the asset is going.
How It Works
Submit the property, current financials, and your value-add business plan. MidPoint underwrites to the stabilized value and your execution track record. Close fast, execute the plan during the bridge term, and exit into permanent financing once the asset is stabilized and performing.
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.