MULTIFAMILY (5+ UNITS) · Wyoming (WY) Underwriting Matrix

Wyoming Multifamily Loans (5–8, 5–9, 5–10, 5–25 & 5+ Unit Apartment Financing) — 2026 Rates, LTV Caps & State Rules

Wyoming Multifamily (5+ Units) provide business-purpose real estate investors with Up to 75%–80% LTV Purchase / 70%–75% Cash-Out across loan amounts from $100,000 – $15,000,000+ at 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge) (30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 24-Mo Bridge, 660+ FICO min FICO, 21 – 30 Business Days close). In Wyoming (WY), lenders underwrite to a Non-Judicial (Foreclosure by Advertisement & Sale) statutory framework (60–90 days (+ 3-mo redemption)-day average timeline), a 0.58% average property tax rate (~$167/mo at the $345,000 state median), and $520/$100K hazard insurance (~$150/mo).

Max Leverage / LTC
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out
Min FICO: 660+ FICO
2026 Rate Band
6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)
30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 24-Mo Bridge
WY Security Instrument
Non-Judicial (Foreclosure by Advertisement & Sale)
60–90 days (+ 3-mo redemption) days avg timeline
WY Avg Tax & Ins
0.58% Tax
$520/$100K Hazard Ins

How Multifamily (5+ Units) Work in Wyoming (WY)

Multifamily loans through Loan Daddy LLC (NMLS #2827624) cover every apartment unit bracket—including 5–8 unit residential crossover DSCR, 5–9 and 5–10 unit small-balance apartments, 5–25 unit mid-market buildings, and 5+ unit commercial communities—offering both permanent 30-year fixed financing and value-add bridge-to-perm capital.

1. Wyoming Median Benchmark

Median 1–4 unit price of $345,000 (75% LTV = $258,750) with Form 1007 rent of $2,450/mo and multifamily rent of $1,420/door.

2. Escrow & Title Underwriting

Wyoming operates under a Non-Judicial (Foreclosure by Advertisement & Sale) regime (60–90 days (+ 3-mo redemption) days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (21 – 30 Business Days)

Close in your Wyoming LLC or Delaware LLC registered in WY with zero personal tax returns, W-2s, or 4506-C transcripts.

Explore Other Programs in Wyoming

Wyoming Multifamily (5+ Units) (2026) — Up to 75%–80% LTV Purchase / 70%–75% Cash-Out, 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge) | DSCR Loans in Nevada — Las Vegas, Henderson & Reno Cash-Flow Rental Financing Up to 80% LTV