Apartment Loans

We are experts in securing apartment building loans. Sometimes referred to as multifamily loans, these types of loans have traditionally constituted the largest portion of our total business volume. We have information that can help you with How to Buy an Apartment Building. Whether you are looking to finance a small apartment building, a complex with hundreds of units, or a co-operative looking for an underlying mortgage, we can help you find the optimal financing solution to meet your apartment mortgage loan needs. Our company has access to multiple capital sources, including: Fannie Mae, Freddie Mac, HUD, numerous local and national banks, Wall Street conduit lenders, Agency lenders, credit unions and insurance companies. We will entertain multifamily loan requests of all sizes, beginning at $1,500,000. See our article published in a major magazine on How to Invest in an Apartment Building. We arrange financing for the following:


  • Large urban high-rise apartment buildings
  • Suburban garden apartment complexes
  • Small apartment buildings containing 5+ units
  • Underlying cooperative apartment building loans
  • Portfolios of small apartment properties and/or single-family rental properties
  • Other multifamily and mixed-use properties


Our company has multiple capital sources for these loans, including: Fannie Mae, Freddie Mac, FHA, national banks, regional and local banks, insurance companies, Wall Street conduit lenders, credit unions and private lenders. Whether you are purchasing or refinancing, we have the right solutions available. We will entertain loan requests of all sizes, beginning at $1,500,000. Get started with a Free Loan Quote.

Bank Apartment Loan Program

In addition to offering loans from agency lenders Fannie Mae and Freddie Mac, we also offer many different bank and portfolio loan programs. While the agency lenders typically have the lowest rates available in the market, many times the borrower would be better off obtaining an apartment building loan from a traditional portfolio lender. Often times, a portfolio product will better serve the needs of the borrower by offering more flexible underwriting and loan terms.


Bank Apartment Loan Program - Rates Updated April 20th, 2024
Loan Product Rate Amortization
5 Year Fixed 6.95%-7.50% Up to 30 years
7 Year Fixed 6.95%-7.50% Up to 30 years
10 Year Fixed 7.00%-7.50% Up to 30 years
  • Tiered pricing from 55% – 80% LTV
  • Simplified underwriting for small balance loans
  • Loan amounts from $1,500,000 - $10,000,000+ Nationwide
  • Loan to value ratios up to 80% on purchases and 75% on refinances
  • Cash out refinances are acceptable
  • Pricing based on loan-to-value and debt service coverage ratio:
    • Tier 2 - 75-80%/1.25x
    • Tier 3 - 65%/1.35x
    • Tier 4 – 55%/1.55x
  • Interest only loans are available
  • Step down and yield maintenance prepayment penalties
  • Nonrecourse loans are available
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