Disclosures
Not a lender, not a listing site
Porchlight is operated by Janover Capital LLC. Janover Capital LLC is a commercial mortgage brokerage. It doesn’t make or arrange residential mortgage loans: it does not arrange consumer mortgages or loans on 1-4 unit or owner-occupied homes. It doesn’t take mortgage requests or loan applications on this site, doesn’t refer visitors to residential lenders, and doesn’t list or sell real estate. The 2-4 unit calculator and loan limits are education only. Nothing on this site is an offer to lend, a loan approval, or a commitment to any rate or term.
Calculator results are estimates
The calculator works only from numbers you type in. The starting values on the page, including the interest rate, are example inputs so the page shows a complete result; they aren’t rates or terms anyone is offering. Results leave out closing costs, private mortgage insurance, the VA funding fee, flood insurance and HOA dues unless you enter them, and the FHA annual premium is a first-year approximation. A lender’s Loan Estimate is the document that tells you the real cost of a loan.
Loan limits and rules
Limits come from HUD’s and FHFA’s 2026 county files and apply to FHA case numbers assigned in 2026 and to conventional loans Fannie Mae and Freddie Mac acquire in 2026. Program rules come from the HUD, VA, Fannie Mae and Freddie Mac documents named on each page, as of the dates shown there. Lenders can and do add requirements of their own on top of the agency minimums.
Who may contact you
The only financing form on this site is on the 5-20 units page, for business-purpose loans on buildings of five or more units. It goes to Janover Capital LLC’s commercial mortgage desk, and nowhere else; a person there reads it and replies, and the desk shares deal details with a lender only if you ask it to take the loan to market. The contact form is for questions about the site. Neither form is for a home loan on a 1-4 unit property or a home you’ll live in. You can ask us not to share your details, or to delete them, by writing to hello@multifamilyfor.sale. See the privacy policy.
No government affiliation
Porchlight isn’t affiliated with, or endorsed by, the U.S. Department of Housing and Urban Development, the Federal Housing Administration, the U.S. Department of Veterans Affairs, the Federal Housing Finance Agency, Fannie Mae or Freddie Mac.
Fair housing
If you rent out units in a building you buy, federal, state and local fair housing laws apply to how you advertise, screen and treat tenants. The federal Fair Housing Act prohibits discrimination based on race, color, religion, sex, national origin, familial status or disability, and many states and cities add more protected classes. Nothing on this site suggests choosing or turning away tenants on any of those grounds.
Run your own building
Price, units and rents in. Payment, county limit and the FHA self-sufficiency test out.