Written & reviewed by Stephen A. Sobin, President of Select Commercial Funding LLC
Stockton, California
Stockton Apartment Loans in 2026
Select Commercial specializes in Stockton apartment loan solutions for local investors, plus apartment building financing for larger properties and portfolios, with rates as low as 6.16% and up to 80% LTV. For properties elsewhere in the state, see our California apartment loans; for loans over $6 million, see Stockton multifamily loans. See current rates on every loan type we offer.
Get a Free QuoteFinancing Options in Stockton
Stockton apartment, multifamily and commercial properties each have dedicated financing. Pick the page that matches your property:
Financing more of the state? See California apartment loans.
Financing in another state? Explore our apartment loans, multifamily loans and commercial mortgages nationwide.
Stockton Apartment Loan Rates (Under $6 Million)
| Loan Type | Rate* | Max LTV |
|---|---|---|
| Apartment 5 Year Fixed | 6.16% | Up to 80% |
| Apartment 7 Year Fixed | 6.14% | Up to 80% |
| Apartment 10 Year Fixed | 6.16% | Up to 80% |
- Rates as low as 6.16% on Stockton apartment loans
- Up to 80% LTV on apartment financing
- Terms and amortizations up to 30 years
- Purchase and refinance, including cash-out
- No upfront application or processing fees
- 48-hour written pre-approvals, no cost or obligation
Rates last updated August 6, 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 Stockton Apartment Loan Programs
As a broker, we compare every program to find your best-fit Stockton apartment financing. Typical starting points for properties under $6 million:
| Program | Typical rate* | Max leverage | Best for |
|---|---|---|---|
| Fannie Mae Small Loan | 6.16%-6.95% | 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%-6.50% | 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 Stockton multifamily loans.
2026 Stockton Apartment Loan Market: Affordable inland California market
Stockton remains one of California's more affordable major rental markets, with flat rents and uneven vacancy heading into 2026.
Employment
Job growth has slowed sharply, from about 550 net new jobs per month in 2025 to only a handful per month in early 2026.
Construction and supply
New apartment construction has been limited and concentrated in smaller affordable projects, with no large delivery wave underway.
Vacancy
Vacancy is uneven across the metro, with estimates ranging from about 4 percent to 9 percent depending on the source and submarket.
Rent trend
Average apartment rent is about $1,650 to $1,670 per month and has been essentially flat over the past year.
2026 Stockton forecast at a glance:
- Rents stay roughly flat
- Job growth slows notably
- Limited new supply
- Vacancy varies by submarket
Stockton Multifamily Loans (Over $6 Million)
For larger Stockton 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 Stockton 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.
Stockton Apartment Loan Types We Serve
Whether you are purchasing or refinancing a Stockton 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 Stockton
As a full-service commercial mortgage broker, we arrange Stockton financing across every major property and loan type:
We consider commercial loan requests of all sizes, beginning at $1,500,000.
Stockton Neighborhoods We Serve
Select Commercial provides apartment loans throughout Stockton, California and the surrounding area, including:
- Miracle Mile
- Lincoln Village
- Brookside
- Spanos Park
- Weston Ranch
- Morada
- Country Club
- Pacific
- Sherwood Manor
- Valley Oak
- Bear Creek
- Quail Lakes
- Lakeview
- Seaport
- Kentfield
- Park
- Civic
- Louis Park
For other cities in the state, see California apartment loans.
Nearby Apartment Loan Markets
We finance apartment buildings nationwide. Explore related markets:
Los Angeles · San Jose · Sacramento · Lancaster · Long Beach · Oakland · Pasadena · Riverside · San Bernardino · San Diego · San Francisco · Concord · Fresno · All California · 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 Stockton Apartment Loan Quote
No cost, no obligation. Written answers within 48 hours on Stockton 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