Written & reviewed by Stephen A. Sobin, President of Select Commercial Funding LLC
Fort Lauderdale, Florida
Fort Lauderdale Apartment Loans in 2026
Select Commercial specializes in Fort Lauderdale apartment loan solutions for local investors, plus apartment building financing for larger properties and portfolios, with rates as low as 5.74% and up to 80% LTV. For properties elsewhere in the state, see our Florida apartment loans; for loans over $6 million, see Fort Lauderdale multifamily loans. See current rates on every loan type we offer.
Get a Free QuoteFinancing Options in Fort Lauderdale
Fort Lauderdale apartment, multifamily and commercial properties each have dedicated financing. Pick the page that matches your property:
Financing more of the state? See Florida apartment loans.
Financing in another state? Explore our apartment loans, multifamily loans and commercial mortgages nationwide.
Fort Lauderdale Apartment Loan Rates
| Loan Type | Rate* | Max LTV |
|---|---|---|
| 5 Year Fixed | 6.16% | Up to 80% |
| 7 Year Fixed | 6.14% | Up to 80% |
| 10 Year Fixed | 6.16% | Up to 80% |
| Loan Type | Rate* | Max LTV |
|---|---|---|
| 5 Year Fixed | 5.76% | Up to 75% |
| 7 Year Fixed | 5.74% | Up to 75% |
| 10 Year Fixed | 5.76% | Up to 75% |
- Streamlined underwriting for institutional multifamily
- Cash-out refinances are acceptable
- Interest-only and non-recourse options
- Minimum 1.25x debt-service-coverage ratio
Rates last updated August 13, 2026. Rates and maximum LTV shown represent our best-case pricing scenarios. Actual rates, LTV, and loan terms are subject to underwriting approval and may vary.
Compare Fort Lauderdale Apartment Loan Programs
As a broker, we compare every program to find your best-fit Fort Lauderdale apartment financing. Typical starting points for properties under $6 million:
| Program | Typical rate* | Max leverage | Best for |
|---|---|---|---|
| Fannie Mae Small Loan | 6.16% | Up to 80% | Non-recourse, fixed to 30 yrs |
| Freddie Mac SBL | 6.15% | Up to 80% | $1M to $7.5M small balance |
| FHA / HUD | 6.12% | Up to 85% | Highest leverage, longest term |
| Bank / portfolio | 6.25% | Up to 75% | Flexible, value-add |
| Bridge | 9.00% | Up to 80% LTC | Reposition, lease-up |
Most apartment lenders look for a debt-service-coverage ratio (DSCR) of at least 1.25x. For properties over $6 million, see our Fort Lauderdale multifamily loans.
2026 Fort Lauderdale Apartment Loan Market: Steady Job Gains and Upscale Leasing Demand Anchor the Outlook
Fort Lauderdale pairs steady job gains with upscale leasing demand in 2026, supported by a growing population, high ownership barriers and constrained new supply. Expanding financial and professional services hiring bolsters apartment demand.
Employment
Job growth in 2026 is expected to mirror last year's pace, with the traditionally office-using sector accounting for about half of all new positions for a second year in a row.
Construction and supply
Deliveries in 2026 mark the smallest total since 2022, roughly 3,300 units, aligning with the past decade's average and concentrating in Central Fort Lauderdale and Hollywood.
Vacancy
A decline in openings and steady demand from higher-income households help vacancy edge down to 4.9% in 2026, matching the trailing 10-year average.
Rent trend
Fort Lauderdale is expected to record the fifth-fastest pace of rent growth among major metros, about 3.3%, with the average effective rent reaching $2,530 per month.
2026 Fort Lauderdale forecast at a glance:
- Employment: job gains mirroring last year's pace
- Construction: about 3,300 units, smallest total since 2022
- Vacancy: around 4.9%, matching the 10-year average
- Rent: about $2,530 per month, up roughly 3.3%
Fort Lauderdale Multifamily Loans (Over $6 Million)
For larger Fort Lauderdale apartment properties, we arrange multifamily loans over $6 million through Fannie Mae DUS, Freddie Mac, FHA/HUD and CMBS. These institutional programs offer non-recourse financing, up to 80% LTV and fixed terms up to 30 years, with even longer fully amortizing options through HUD.
See our Fort Lauderdale multifamily loans page for over-$6 million financing, or explore Fannie Mae and Freddie Mac agency programs.
Recent Apartment Loan Closings
A sample of apartment and multifamily loans we have arranged for investors nationwide.
Fort Lauderdale Apartment Loan Types We Serve
Whether you are purchasing or refinancing a Fort Lauderdale apartment building, we arrange financing for:
- Large urban high-rise apartment buildings
- Suburban garden apartment complexes
- Small apartment buildings with 5+ units
- Underlying cooperative apartment loans
- Portfolios of small apartment and single-family rental properties
- Other multifamily and mixed-use properties
We consider apartment loan requests of all sizes, beginning at $1,500,000.
Other Property & Loan Types We Finance in Fort Lauderdale
As a full-service commercial mortgage broker, we arrange Fort Lauderdale financing across every major property and loan type:
We consider commercial loan requests of all sizes, beginning at $1,500,000.
Fort Lauderdale Neighborhoods We Serve
Select Commercial provides apartment loans throughout Fort Lauderdale, Florida and the surrounding area, including:
- Las Olas
- Victoria Park
- Rio Vista
- Colee Hammock
- Coral Ridge
- Flagler Village
- Sailboat Bend
- Harbor Beach
- Croissant Park
- Tarpon River
- Poinsettia Heights
- Imperial Point
- Sunrise Key
- Middle River Terrace
- Progresso Village
- Riverside Park
- Downtown Fort Lauderdale
- Lauderdale Beach
For other cities in the state, see Florida apartment loans.
Nearby Apartment Loan Markets
We finance apartment buildings nationwide. Explore related markets:
Miami · Orlando · Tampa · Jacksonville · All Florida · Other U.S. cities
What Our Clients Say
“I am a veterinarian who purchased an existing practice. I was surprised to find a company that offered 100% financing at a good rate, with great terms and rates for medical office financing.”
Carol K. · Chicago, IL“I spoke to several commercial lenders before finding Select Commercial. They got me a lower rate and their service was exceptional. If you need a multifamily loan, you need to talk to Stephen.”
Nathan B. · Philadelphia, PA“Select Commercial was very helpful with my multifamily mortgage. Stephen went over several options and we came up with the best lender to meet my needs. I got the funds and also lowered my payments.”
Gary M. · Portland, OR“Select Commercial offered 100% financing for my medical practice when my bank would have required 20% down. They delivered something my bank could not, and handled everything professionally.”
John C. · Boston, MAGet Your Fort Lauderdale Apartment Loan Quote
No cost, no obligation. Written answers within 48 hours on Fort Lauderdale apartment loans from $1,500,000.
- No application or processing fees
- Written answers within 48 hours
- For 5+ unit and commercial properties, $1.5M and up