Multifamily properties typically offer stable and predictable cash flows due to multiple rental units, reducing the risk for lenders.

Lenders may offer higher LTV ratios for multifamily properties due to their perceived stability and income-producing nature.

Lenders often assess DSCR, which measures the property's ability to cover debt payments from its net operating income.

Multifamily properties with steady rental income usually have favorable DSCRs, making them attractive to lenders.

Government-sponsored enterprises (GSEs) provide specialized loan programs for multifamily properties including affordable and workforce, offering competitive interest rates, longer terms, and higher LTV ratios.

Financing options specific to affordable housing projects may be available, including programs from government agencies like HUD, and LIHTC and 501(c)(3).

Lenders consider the stability of tenants in multifamily properties. Properties with low vacancy rates, long-term leases are typically more attractive to lenders.

Multifamily properties tend to be more resilient during economic downturns compared to other commercial real estate sectors, and have the potential for long-term appreciation.