Real-world perception and decision making are inherently multimodal, integrating complementary signals across modalities. However, training multimodal models faces two main obstacles. First, collecting large-scale, well-aligned paired multimodal datasets is often impractical, making end-to-end multimodal training difficult. Second, existing multimodal representations frequently entangle information shared across modalities with modality-specific information, hindering interpretability and control. We introduce MultiLoReFT, an efficient and scalable low-rank representation fine-tuning framework for multimodal learning with pretrained unimodal models. MultiLoReFT extends low-rank adaptation to the multimodal setting and learns interpretable projection subspaces that decouple shared and modality-specific information. Across simulated and real-world benchmarks, it produces representations that support multimodal prediction while explicitly revealing how shared and modality-specific information is distributed across modalities.

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