Property profile
Apartment buildings of five units and above, and mixed-use buildings combining residential units with ground-floor commercial space. Purchase, rate-and-term refinance, and cash-out refinance are all available nationwide.
Asset Type
Multi-Family & Mixed-Use (5+ units)
Long-term fixed-rate financing for multifamily and mixed-use properties nationwide. Loan amounts start at $100,000, leverage reaches up to 75% of value depending on credit profile, and terms run as long as 30 years with no balloon payment.
Quick answer
Kismet Kapital arranges multi-family and mixed-use financing nationwide for properties of five units and above, with loan amounts from $100,000, terms up to 30 years, and no balloon payment. A fast-qualification path is available for high-equity borrowers.
Program
What the financing looks like
Straightforward long-term debt for stabilized income-producing multifamily and mixed-use property.
- Loan amounts
- From $100,000
- Leverage
- Up to 75% loan-to-value, depending on credit profile
- Term
- Up to 30 years
- Structure
- Fixed rate, no balloon payment
Fast-qualification option
For high-equity deals, a streamlined qualification path is available — designed for borrowers with meaningful equity who want a quicker route to approval with a lighter documentation burden.
Business-purpose financing for investment property only. Terms are indicative, subject to underwriting and final credit approval, and may change without notice. Not a commitment to lend.
Key facts
Kismet Kapital finances multifamily properties with five or more units nationwide.
Mixed-use buildings that combine apartments with ground-floor commercial space are eligible.
Multi-family and mixed-use loan amounts start at $100,000.
Multi-family and mixed-use terms run as long as 30 years with no balloon payment.
Purchase, rate-and-term refinance, and cash-out refinance are all available.
Frequently asked questions
Does Kismet Kapital finance multifamily properties?
Yes — Kismet Kapital finances multifamily properties with five or more units nationwide, with long-term fixed-rate terms up to 30 years and no balloon payment.
What's the minimum unit count for multifamily financing?
Five units. Properties with four units or fewer are financed under the residential investor 1-4 programs instead.
Does Kismet finance mixed-use properties?
Yes. Buildings that combine residential units with ground-floor commercial space are eligible under the same long-term fixed-rate program.
What is the minimum loan amount?
Loan amounts start at $100,000, with leverage up to 75% of value depending on the borrower's credit profile.
Is there a faster approval option?
Yes. High-equity transactions can use a streamlined qualification path that carries a lighter documentation burden than the standard review.
Are these loans available for owner-occupied homes?
No. These are business-purpose loans for investment property only, not owner-occupied consumer mortgages.
Engage
Have a multifamily or mixed-use property to finance?
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