Freddie Mac Supplemental Multifamily Loans
Our Multifamily Loan Benefits
Multifamily Loan rates start as low as 5.35% (as of March 29th, 2025)
• A commercial mortgage broker with over 30 years of lending experience
• No upfront application or processing fees
• Simplified application process
• Financing up to 80% LTV
• Terms and amortizations up to 30 years
• Long term fixed rates
• Loans for purchase and refinance, including cash-out
• 24 hour written pre-approvals with no cost and no obligation

The Freddie Mac Supplemental Multifamily Loan program is perfect for investors with Freddie Mac loans who are looking for some additional financing. Freddie Mac Supplemental Multifamily Loans start at a minimum loan size of $1,500,000, can lend up to 80% LTV and are non-recourse. These great terms make this program an an incredibly attractive option for investors looking for extra financing to enhance their multifamily properties. There are two types of Freddie Mac Supplemental Loans. The first type is the Split Supplemental Loan. This loan is originated at the same time as the original Freddie Mac loan. The second type is the Seasoned Supplemental Loans. These loans must be originated at least 12 months after the original loan closing. Additionally, Freddie Mac allows borrowers to take out more than one Supplemental Loan during the life of their original Freddie Mac loan, as long as there is a 12-month period after the origination of the previous loan.
Freddie Mac Supplemental Multifamily Loan Highlights
Size: Minimum of $1,500,000 (subject to LTV and DSCR restrictions)
Use: Supplemental financing for current Freddie Mac borrowers
Terms: Supplemental loan must be coterminous with the first loan and must be at least 12 months after origination of the first loan or the most recent prior to the supplemental loan. Supplemental Loan is not available during the final 3 years of the first loan
Maximum LTV:
5 Year Loan
- Amortizing: 75% LTV
- Partial Term Interest-Only: 75% LTV
- Full Term Interest-Only: 65% LTV
7 Year Loan
- Amortizing: 80% LTV
- Partial Term Interest-Only: 80% LTV
- Full Term Interest-Only: 70% LTV
10 Year Loan
- Amortizing: 80% LTV
- Partial Term Interest-Only: 80% LTV
- Full Term Interest-Only: 70% LTV
Minimum DSCR:
5 Year Loan
- Amortizing: 1.30% DSCR
- Partial Term Interest-Only: 1.30% DSCR
- Full Term Interest-Only: 1.40% DSCR
7 Year Loan
- Amortizing: 1.25% DSCR
- Partial Term Interest-Only: 1.25% DSCR
- Full Term Interest-Only: 1.30% DSCR
10 Year Loan
- Amortizing: 1.25% DSCR
- Partial Term Interest-Only: 1.25% DSCR
- Full Term Interest-Only: 1.35% DSCR
Recourse Requirements: Non-recourse except for industry standard “bad boy” carve-outs
Eligible Borrowers: Current Freddie Mac Multifamily borrowers with existing loans
Eligible Properties: Property must be in current good standing and have been purchased through one of the following programs:
- Conventional Cash Mortgage Purchase program
- Targeted Affordable Housing Cash Mortgage Purchase program
- Seniors Housing Cash Mortgage Purchase program
- Conventional Structured Transactions
Prepayment Penalty: Yield Maintenance
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