Seattle, WA · Apartment & Multifamily Loans
Apartment & Multifamily Loans in Seattle
5+ unit deals need a lender who's closed them. We have.
Why Seattle investors choose 818
Seattle is a higher-ticket, appreciation-forward market where value-add multifamily and townhome plays dominate. Tech employment keeps rents climbing, but the city's regulatory environment demands underwriting that reads local rules correctly — and the Peninsula's STR pods run an entirely different playbook from the metro core.
Our edge here: We price the Seattle metro and the Olympic Peninsula at different tempos and underwrite them separately — one credit box does not fit both.
Apartment & Multifamily Loans: Seattle 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 — Seattle apartment loans
Does 818 Capital offer apartment loans in Seattle?
Yes. 818 Capital Partners is a direct private lender originating Apartment & Multifamily Loans for investor properties throughout Seattle and the greater King County market. 5+ unit deals need a lender who's closed them. We have.
What are typical apartment loan terms in Seattle?
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 Seattle neighborhoods do you lend in?
We actively finance apartment loans across Ballard, Beacon Hill, Columbia City, Lake City, West Seattle, and other submarkets of King County.
How fast can 818 Capital close a apartment loan in Seattle?
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 Seattle
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 Seattle deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.