Property Program

Multifamily Loans in Jackson Hole, WY

Specialized loans for duplexes, triplexes, fourplexes, and apartment buildings throughout Jackson Hole, Wilson, Teton Village, and the greater Teton County region.

Request Funding Call 307-313-5330

Multifamily loans support the acquisition, refinancing, and renovation of duplexes, triplexes, fourplexes, and larger apartment communities. Our multifamily lending programs recognize the income-producing potential of these properties and offer qualification options based on property cash flow. Jackson Hole has strong demand for quality rental housing, from workforce housing for year-round employees to seasonal rentals, making multifamily properties attractive investments.

Our loans help you acquire and improve multifamily assets with financing tailored to this property type. We offer DSCR-based qualification that considers the property's income rather than strict personal income requirements. This approach makes it easier to qualify for loans on cash-flowing multifamily properties and scale your portfolio. Whether you're acquiring a duplex in Wilson or a small apartment building in Jackson, we have solutions that fit.

Multifamily Lending Advantages

Multifamily properties offer diversification, multiple units reduce vacancy risk compared to single-family. Our lending programs recognize this and offer competitive terms for qualified properties. We can finance value-add opportunities where renovation will increase rents, as well as stabilized properties with established income. Portfolio loans are available for investors with multiple multifamily assets.

Jackson Hole Multifamily Market

Jackson Hole's multifamily market serves diverse tenant demand. Year-round workforce housing is in constant demand. Seasonal employees need housing during ski and summer seasons. Some investors pursue vacation rental strategies in appropriate zoning. Our team understands these dynamics and can structure financing based on your rental strategy, whether traditional annual leases, seasonal, or short-term.

Multifamily Loan Programs

We offer multiple financing options for multifamily properties:

Acquisition Loans: Purchase duplexes, triplexes, fourplexes, and apartment buildings
Refinance Loans: Access equity or improve loan terms on existing multifamily assets
Value-Add/Renovation Loans: Fund improvements to increase rents and property value
Cash-Out Loans: Use equity for additional acquisitions or other investments
Bridge Loans: Short-term financing for acquisitions or repositioning
Portfolio Loans: Consolidated financing for investors with multiple properties

Multifamily Property Types We Finance

Our multifamily lending covers the full spectrum of income-producing residential:

Duplexes and triplexes
Fourplexes and small apartment buildings (5-20 units)
Larger apartment communities
Mixed-use buildings with residential components
Workforce and seasonal housing
Properties with vacation rental units (where permitted)

We serve Jackson Hole, Wilson, Hoback Junction, Kelly, Teton Village, Dubois, Pinedale, Alpine, Afton, Victor ID, and surrounding areas.

DSCR-Based Qualification

Our multifamily loans typically qualify based on Debt Service Coverage Ratio, the property's ability to cover debt service through rental income. We use market rents when appropriate, ensuring adequate financing even for properties requiring tenant placement or rent optimization. Minimum DSCR varies by program but typically ranges from 1.1x to 1.25x. This approach enables investors to qualify based on property performance rather than personal income, particularly valuable for those with multiple properties or complex income.

Frequently Asked Questions

What types of multifamily properties qualify?

We finance duplexes, triplexes, fourplexes, and apartment buildings. Properties can be stabilized with tenants in place or value-add opportunities requiring renovation. We evaluate based on property income potential, condition, and your business plan. Properties throughout Jackson Hole, Wilson, Teton Village, and our service area qualify.

How does DSCR qualification work?

DSCR (Debt Service Coverage Ratio) measures a property's ability to cover debt service through rental income. We divide gross rental income by total debt service (principal, interest, taxes, insurance, HOA). Most programs require minimum DSCR of 1.2-1.25. We may use market rents for properties with below-market in-place rents.

Do you finance vacation rental multifamily?

We can finance multifamily properties with vacation rental units in zoning districts that permit short-term rentals. Qualification may use projected short-term rental income or a blend of seasonal and annual assumptions. Jackson Hole's vacation rental market is strong; we understand the economics.

What loan terms are available?

We offer terms from 5 to 30 years. Short-term bridge and value-add loans typically run 12-24 months. Long-term rental property loans offer 30-year fixed rates. We'll structure the appropriate term for your strategy, whether you're flipping, renovating, or holding long-term.

What's the maximum loan amount for multifamily?

Our multifamily loans range from $75,000 to $5,000,000. Loan amounts are based on property value and income, typically up to 80% LTV for purchases. Value-add and bridge scenarios may have different parameters. We'll structure the appropriate amount for your transaction.

Loan Programs

Rental Property Loans

Commercial Real Estate Loans

Hard Money Bridge Loans

Equity Financing Loans

Short-Term Investor Loans

Features

Loan amounts from $75,000 to $5,000,000

Up to 80% LTV for purchases

Up to 75% LTV for refinances

DSCR-based qualification available

30-year fixed or adjustable rates

Interest-only options for value-add projects

Requirements

Multifamily zoning (2+ units)

Rent roll and lease documentation

Property management plan

Minimum DSCR of 1.2x

Property inspection and appraisal

Habitability and safety compliance