Long Island, NY · Apartment & Multifamily Loans
Apartment & Multifamily Loans in Long Island
5+ unit deals need a lender who's closed them. We have.
Why Long Island investors choose 818
Long Island investor demand is concentrated in North Shore SFR flips, Nassau County 2–4 unit rentals, and growing STR pockets on the South Shore and East End. LI is where we have the deepest referral network — contractors, realtors, and attorneys who bring us 818 clients weekly.
Our edge here: We're based on Long Island. Our inspectors, attorneys, and title teams are local. Close in 21 days on Nassau/Suffolk deals is our norm, not our ceiling.
Apartment & Multifamily Loans: Long Island 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 — Long Island apartment loans
Does 818 Capital offer apartment loans in Long Island?
Yes. 818 Capital Partners is a direct private lender originating Apartment & Multifamily Loans for investor properties throughout Long Island and the greater Nassau & Suffolk Counties market. 5+ unit deals need a lender who's closed them. We have.
What are typical apartment loan terms in Long Island?
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 Long Island neighborhoods do you lend in?
We actively finance apartment loans across Glen Cove, Hempstead, Huntington, Babylon, Riverhead, Montauk, and other submarkets of Nassau & Suffolk Counties.
How fast can 818 Capital close a apartment loan in Long Island?
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 Long Island
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 Long Island deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.