Conventional Loans are available for multifamily apartment buildings with 5+ units. The interest rate is fixed for 3-10 years to ARM or balloon. Finance acquisitions to 75% LTV and 70% LTV for cash-out refinances. The property’s cash-flow is analyzed by dividing the net operating income by the proposed payment. This type loan requires a minimum net worth equal to the loan amount, minimum liquidity of approximately 10%, and standard credit score to qualify.