Key Requirements for Multi-Family Mortgage Loans Multi-family mortgage loans are crucial for individuals or companies looking to invest in rental properties. These loans allow borrowers to finance the purchase or refinancing of properties with multiple residential units. However, securing one requires meeting specific criteria. Lenders typically consider factors such as property type, financial stability, creditworthiness, and tenant occupancy. By fulfilling these requirements, borrowers can increase their chances of obtaining multi-family mortgage loans.