Expert Multifamily Mortgage Bankers

Access the best multifamily and apartment financing terms in the market in minutes.

Financing for the purchase, repositioning, or refinance of multifamily, apartment, and commercial properties.

Access the highest leverage, lowest rates, and longest amortizations on the market today.

Multifamily Loan Options Highlights

Time to Close	As little as 45 days
LTV	Up to 80%
Term	Up to 40 years
Amortization	From 30 years
Non-Recourse	Yes, with standard carve-outs
Typical Debt Service Coverage	1.10x to 1.25x
Prepayment Penalty	Varies
Financing Options	Fannie Mae, Freddie Mac, Construction Loans, Loans Under $1M, Freddie Mac SBL, FHA/HUD Multifamily Loans, Foreign National Loans, CMBS, Bank Loans, Life Companies, Bridge Loans, Hard Money, Soft Money, Mezzanine Financing, Crowdfunding, SBA 504 Loans, Mezzanine Construction Loans, USDA 538 Loans, Fix and Flip Loans, Fractured Condo Loans

Multifamily Loans leverages a combination of proprietary software with meaningfully curated lender and investor partners — including life insurance companies, hedge funds, private equity groups, conduit lenders for CMBS loans, Fannie and Freddie lenders, and more — to seamlessly connect the right borrowers with the right lenders.

Securing the right loan for the acquisition, rehabilitation, or construction of a multifamily asset can be a difficult task with many factors to consider — including terms (interest only, amortization schedules, and more), rates, fees, recourse, leverage, assumability, prepayment requirements, subordinate financing, lock-out periods, carve-outs, and much more. Additionally, most lenders have their own requirements and standard structures — with limited flexibility regarding their ideal borrower profile.

This means that when dealing with a bank or local mortgage broker, the approval of financing is wholly dependent on whether or not the deal fits into their niche. This bottleneck hurts the industry as a whole — after all, what one lender may call a one-off deal, another may call a perfect fit. With that in mind, Multifamily Loans provides technology-enhanced, frictionless access to commercial financing — with an advisor touch.

Multifamily Loans has evolved along with the market for the last 10 years, continuing to learn, grow, and connect with new partners across the country in order to provide unrivaled advisory service in the multifamily finance space.

Testimonial

$3.6M, 58-unit purchase in South Daytona, Fla.

"Multifamily Loans provided a service that no other loan advisor could ever come close to. Not only were all promises met, but beat by a long shot. He consistently went outside the scope of his required responsibilities. He was involved in every step of the process from initial contact to providing financial analyses on properties I was considering for purchase, to beyond loan closing and after my taking ownership of the new property. Blake is a negotiations expert, negotiating and renegotiating loan terms and fees, terms with the sellers, third-party reports, and even repairs and deadlines that were being required by the city. There is no better value-added multifamily financial intermediary than Multifamily Loans. They allowed me to step back and know that someone is working in my best interest."

— Albert B. of Los Angeles, CA

Meet Janover

Multifamily Loans is proud to be a part of the Janover family. Janover is a highly-experienced, hands-on capital markets advisory firm with two decades of expertise sourcing debt for multifamily and commercial properties across the United States. Founder & CEO Blake Janover explains how our firm doesn't simply broker loans — it advises borrowers on every part of the CRE investment process, from acquisition to disposition. Most importantly, we help make every part of a loan work for our clients, including terms, amortizations, interest rates, prepayment penalties, and more. At Janover, we put the power back in our clients' hands by increasing their knowledge and advocating for them during every step of the process.

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Recent Transactions

$2.5M Multifamily Refinance

Loan Type: Fannie Mae Small Loan
⁠Location: New Orleans, LA
⁠Interest: Fixed rate (early rate lock)
⁠Term: 10 years non-recourse
⁠Amortization: 30 years

$3.7M Multifamily Acquisition Loan

Loan Type: Fannie Mae Small Loan
Location: Chicago, IL
LTV: 77.4%
Interest: Fixed rate
Term: 10 years non-recourse
Amortization: 30 years

Loan Options

Multifamily Construction Loans

Government-sponsored agency multifamily loans are on the rise with institutions like Fannie Mae, Freddie Mac, and HUD. With some of the best rates and terms available in the United States, government-sponsored loans are a must-explore option for all apartment building owners ― specifically, affordable housing projects, given how competitive HUD loans have become.

Government-Backed Apartment Loans

Even apart from construction financing, government-sponsored enterprise loans, backed by the likes of Fannie Mae and Freddie Mac, offer incredibly competitive terms to borrowers through a wide range of financing options. Non-recourse loans start at around $1 million and offer lengthy amortizations.

CMBS Commercial Property Loans

CMBS loans are traditionally more asset focused, which enables borrowers with less-than-perfect credit or legal issues to secure fixed-rate, non-recourse financing for multifamily assets. Commercial mortgage-backed securities loans generally offer a faster closing process with less red tape than many other multifamily financing options.

Multifamily Bridge Loans

Bridge lending has not disappeared. It's a very real commodity that property owners across the globe need. Although bridge financing has experienced some challenges in recent years, there are many competitive solutions — and they aren't all as expensive as some may assume. With the right relationships and structure, bridge loans are a strong option for those with relatively short-term financing needs.

Bank Apartment Loans

Traditional bank loans are not a thing of the past — but walking into your local bank for a loan is. As banking institutions compete to allocate their capital into the multifamily market, each bank has its own niche, as well as its own strengths and weaknesses. Every multifamily loan needs to be treated as the unique opportunity that it is, and placed with its correct match of a bank, GSE, life company, or conduit lender.

Creative Debt & Equity Solutions

Sometimes, a loan doesn't fit into a traditional scenario. Although the days of 110% LTV loans are far, far behind us, this doesn't mean that complex financing options are. Whether you're buying multifamily land and need a mezzanine loan on top of your bridge piece, or you are seeking preferred equity to shore up a deal, Multifamily Loans may very well have the answer — and the funding — that you're looking for. From LPs to JVs, we know creativity.

Getting commercial property financing should be easy.⁠ Now it is.

Click below for a free, no obligation quote and to learn more about your loan options.

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