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Multifamily Loan Options Highlights

Time to Close	As little as 45 days
Interest Rates	Updated Daily →
LTV	Up to 80% Calculate Loan-to-Value →
Term	Up to 40 years
Amortization	From 30 years
Non-Recourse	Yes, with standard carve-outs ⁠Compare Non-Recourse Loans →
Typical Debt Service Coverage	1.10x to 1.25x ⁠Calculate Debt Service Coverage (DSCR) →
Prepayment Penalty	Varies ⁠Compare Prepayment Penalties →
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 Options →

Read our comprehensive guide to find out what you need to know as an apartment investor to get the best out of your multifamily loan. Beginner's Guide →

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.

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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

There are many options for financing your next multifamily development. While many developers use bank or credit union loans, HUD 221(d)(4) financing offers some of the best rates and terms available of any loan product in the United States. These loans aren't just for affordable housing, either.

Government-Backed Apartment Loans

Government-sponsored enterprise loans, backed by Fannie Mae and Freddie Mac, offer incredibly competitive terms to multifamily 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.

Multifamily Refinance

Our multifamily refinancing guide gets you everything you need to get started on improving your financing terms. Multifamily refinancing can be a beneficial option for property owners who want to improve the terms of their loan. Understanding the steps in the process and familiarizing yourself with the different types of refinancing loans can help you make informed decisions and achieve your goals.

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

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