Fannie Mae DUS Supplemental  Financing 

Fannie Mae Insured Supplemental Loans for Apartment Buildings and Multifamily Developments 

If you're an investor who currently owns a property financed with a Fannie Mae multifamily loan, but you want more funding, a Fannie Mae DUS Supplemental Loan could be a fantastic option. Starting at a minimum of $500,000, these loans offer a maximum LTV of up to 75% and fixed-rate terms of between 5 and 30 years. Just like other Fannie Mae DUS Loans, Fannie Mae DUS Supplemental Loans offer competitive interest rates and are mainly non-recourse. Plus, non-recourse DUS Supplemental Loans are fully assumable (with lender approval and a 1% fee.) 

Sample Fannie Mae Terms For DUS Supplemental Loans

Size:  $500,000 minimum

Terms:  5-30 year fixed-rate loan terms available

Amortization:  Up to 30 years

Maximum LTV75% (may vary based on how proceeds are used) 

Minimum DSCR 1.30x (may be more under certain conditions) 

Recourse:  Most loans are non-recourse with standard “bad boy” carve-outs

Prepayment Options:  Yield maintenance or defeasance 


  • Competitive interest rates 
  • Most loans are non-recourse 
  • 30- 180 day rate locks available after commitment (streamlined rate locks also available) 


  • Requires third-party reports including a property appraisal, property condition assessment, and a Phase I Environmental Update  
  • Requires a $20,500 application deposit 
  • Requires a 1% approval fee (for non-recourse loans) 
  • Not available for Fannie Mae loans with remaining loan terms of less than 5 years