Concord, CA · Apartment & Multifamily Loans
Apartment & Multifamily Loans in Concord
5+ unit deals need a lender who's closed them. We have.
Why Concord investors choose 818
Concord is the East Bay's value play — BART-connected workforce housing where 2–4 unit and small-multifamily yields still pencil while core Oakland and Walnut Creek price out. The renter base commutes into the inner Bay; the investor base buys cash flow the coastal submarkets stopped producing years ago.
Our edge here: Bridge-to-DSCR on East Bay value-add is our most-used structure here — acquire fast, stabilize, and refinance into the 30-year without a second close.
Apartment & Multifamily Loans: Concord terms
Term
2-year bridge through 30-year permanent
Leverage
Up to 80% LTV (agency), 75% LTC (bridge)
Credit minimum
Sponsor experience-driven, 680+ typical
Close time
45–75 days
Qualification
Property NOI + sponsor track record
Ideal for
Small multifamily investors stepping up from 2–4 unit, syndicators raising capital who need a reliable debt quote, 1031 exchange buyers targeting multifamily, and bridge-to-perm rehab plays.
Common questions — Concord apartment loans
Does 818 Capital offer apartment loans in Concord?
Yes. 818 Capital Partners is a direct private lender originating Apartment & Multifamily Loans for investor properties throughout Concord and the greater Contra Costa County, East Bay market. 5+ unit deals need a lender who's closed them. We have.
What are typical apartment loan terms in Concord?
2-year bridge through 30-year permanent. Up to 80% LTV (agency), 75% LTC (bridge). Minimum credit score Sponsor experience-driven, 680+ typical. Typical close time: 45–75 days. Qualification: Property NOI + sponsor track record.
What Concord neighborhoods do you lend in?
We actively finance apartment loans across Downtown Concord, Monument Corridor, Clayton Valley, West Concord, and other submarkets of Contra Costa County, East Bay.
How fast can 818 Capital close a apartment loan in Concord?
Our typical close time for a Apartment & Multifamily Loans is 45–75 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Concord
DSCR Rental Loans
30-year fixed. No personal DTI. Closes on property cash flow.
Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
Apartment & Multifamily Loans in other markets
Ready to close your Concord deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.