Commercial · Florida & Texas
Multifamily 5+ Units
Apartment buildings of 5 units or more financed via agency (Fannie/Freddie Small Balance), bank, and bridge programs across Florida and Texas.
Common challenges we solve
- 5+ units crosses into commercial underwriting
- Need non-recourse or limited-recourse options
- Coordinating T-12, rent rolls, and PCAs
What you get with Lumos
Agency Small Balance up to 80% LTV
Non-recourse on qualifying deals
30-year amortization options
Loan programs that typically fit
Frequently asked
- Is it really commercial at 5 units?
- Yes — 1–4 units is residential, 5+ is commercial.
- Non-recourse possible?
- Yes on agency programs with 1.25+ DSCR and 80% or less LTV.
