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The Ultimate Guide to Multifamily Loans Overview Multifamily loans are used to finance apartment buildings with 5 or more units. These apartments or multifamily properties include garden style apartment buildings townhouses loft style apartment buildings brownstone apartment buildings as well as lowrise midrise and highrise apartment buildings. In this guide we will cover the different types of multifamily lenders a typical multifamily loan process how to qualify for a multifamily loan standard multifamily loan terms the third party reports needed for a multifamily loan and some items to monitor after your loan has funded. Multifamily Lenders There are 4 major lender types that account for the majority of multifamily lending.