Multifamily & Mixed-Use
Financing for apartment complexes, multifamily properties (5+ units), and mixed-use developments — acquisition, construction, value-add, and stabilization capital with nationwide coverage.
Overview
Multifamily and mixed-use properties represent one of the most resilient and in-demand asset classes in commercial real estate. Our financing programs cover the full lifecycle — from acquisition and ground-up construction to value-add repositioning, lease-up stabilization, and long-term permanent financing. We work with apartment operators, developers, and investors across all market segments including Class A luxury, workforce housing, affordable housing, student housing, and senior living. Mixed-use properties combining residential with retail, office, or hospitality components are also covered under our programs.
Ideal For
- Apartment operators acquiring stabilized multifamily assets
- Developers building new multifamily or mixed-use projects
- Value-add investors renovating and repositioning apartment communities
- Sponsors transitioning from construction to permanent financing
- Portfolio operators seeking to refinance or recapitalize existing holdings
- Affordable housing developers utilizing LIHTC or HUD programs
- Mixed-use developers combining residential with commercial components
Typical Structures & Terms
Flexible structures engineered around your timeline, asset, and exit strategy.
Acquisition Financing
Capital for purchasing stabilized apartment communities or mixed-use properties. Structured around in-place NOI, occupancy, and market fundamentals.
Construction Financing
Ground-up construction loans for new multifamily and mixed-use developments. Milestone-based draws, interest reserves, and defined completion timelines.
Value-Add Capital
Financing for properties requiring unit renovations, amenity upgrades, or operational improvements to increase rents and NOI.
Bridge-to-Permanent
Short-term bridge financing during lease-up or stabilization, with a clear path to permanent agency or CMBS debt upon reaching target occupancy.
Agency Permanent Debt
Long-term fixed-rate financing through Fannie Mae, Freddie Mac, and FHA/HUD programs for stabilized multifamily properties.
Mezzanine & Preferred Equity
Subordinate capital to maximize leverage on multifamily acquisitions and developments. Structured as mezzanine debt or preferred equity.
Execution Process
A clear, structured path from inquiry to funding.
Submit Application
Provide property details, rent roll, operating statements, business plan, and sponsor experience.
Preliminary Sizing
Receive indicative terms based on property cash flow, market analysis, and sponsor profile. Typically within 48 hours.
Full Underwriting
Appraisal, environmental, property condition report, market study, and financial due diligence. 2–6 weeks depending on complexity.
Closing & Funding
Final documentation, rate lock (if applicable), closing, and funding. Construction loans include draw schedules.
Exit Strategies
- Refinance into agency permanent debt (Fannie Mae, Freddie Mac, HUD)
- Refinance into CMBS or life company permanent financing
- Property sale to institutional buyer or REIT
- Recapitalization with new equity partner or fund
- Condominium conversion and unit sales
- Long-term hold with cash flow optimization
Compliance & Documentation
- Full KYC/AML verification for all sponsors and key principals
- Multifamily appraisal with income approach and comparable analysis
- Phase I Environmental Site Assessment
- Property Condition Report with capital expenditure projections
- Rent roll and trailing 12-month operating statements
- Market study for new construction or significant repositioning
- Entity documentation and organizational structure
- Insurance requirements including property, liability, and umbrella coverage
Ready to Apply?
Submit your application and our team will respond within 24–48 hours with next steps.
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Upload KYC, financial statements, and supporting materials securely.
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Schedule a Capital CallRegulatory Disclaimer: Real estate financing information provided herein is for informational purposes only and does not constitute a commitment to lend, a loan approval, or a guarantee of financing. All loan applications are subject to credit approval, underwriting, and applicable federal and state lending laws including TILA, ECOA, RESPA, and the Dodd-Frank Act. Loan terms, rates, and availability are subject to change without notice. Real estate investments involve risk, including the possible loss of principal. Full legal disclosures →