Agency, HUD/FHA, bank permanent loans, CMBS, and bridge-to-perm financing for garden-style apartments, mid-rise, high-rise, student housing, senior living, and affordable housing developments. Loans from $5M to $100M+.
The complete toolkit for multifamily financing, from acquisition to value-add repositioning.
Fannie Mae and Freddie Mac loans are the backbone of multifamily financing. We access the best execution on fixed-rate 7, 10, 15, and 20-year products with options for recourse, non-recourse, or limited recourse structures.
Insured multifamily mortgages provide stability for acquisition, new construction, and rehabilitation of multifamily properties. Longer amortizations and favorable terms for diverse tenant communities.
Traditional balance sheet lenders and life insurance companies offer stable, long-term financing with highly competitive terms for stabilized multifamily properties.
Commercial mortgage-backed securities provide competitive, long-term fixed-rate financing for performing multifamily assets. Excellent terms on large portfolios and premium properties.
Short-term bridge financing for acquisition or value-add repositioning, with a planned permanent loan takeout. Flexible terms and quick closing to fund your business plan.
Ground-up construction and substantial rehab financing for multifamily development. From bridge construction to permanent loan structures, we fund the build.
Specialized expertise across the full spectrum of multifamily property types and tenant communities.
Suburban garden-style multifamily with direct access units, parking lots, and community amenities. Financing for stabilized and value-add properties.
4-12 story apartment buildings with amenities and modern construction standards. Strong execution on acquisition, refinance, and development loans.
High-density urban and luxury apartment towers. Specialized financing for premium assets with complex structures and cash-on-cash requirements.
Purpose-built student housing near colleges and universities. Experienced with stabilized properties and forward-contract financing for development.
Active adult communities and senior housing with specialized underwriting. Experienced with independent living, assisted living, and memory care components.
Tax credit and below-market-rate housing programs. Expertise with HUD, LIHTC, and local affordable housing requirements.
Recent multifamily transactions from Banyan's portfolio, demonstrating strength across property types and geographies.
Representative loan terms and parameters. All programs flexible and subject to specific deal underwriting.
| Program | Loan Amount | Rate Type | Term | LTV / DSC | Typical Hold |
|---|---|---|---|---|---|
| Agency (FNMA/FMAC) | $5M - $200M+ | Fixed Rate | 7, 10, 15, 20 years | 75-80% LTV / 1.20x DSC | Stabilized / Core |
| HUD/FHA 221(d)(4) | $10M - $100M+ | Fixed Rate | 20, 30, 35 years | 80-85% LTV / 1.15x DSC | New Construction |
| HUD/FHA 223(f) | $5M - $75M | Fixed Rate | 30, 35 years | 75-85% LTV / 1.15x DSC | Stabilized |
| Bank Permanent | $5M - $250M+ | Fixed Rate | 5, 7, 10, 15 years | 70-80% LTV / 1.25x DSC | Stabilized / Core |
| CMBS | $5M - $500M+ | Fixed Rate | 10, 12, 15 years | 70-80% LTV / 1.25x DSC | Stabilized / Core |
| Bridge Financing | $5M - $50M | Fixed or Floating | 1-3 years | 65-75% LTV / N/A | Value-Add / Reposition |
| Construction Loan | $10M - $200M+ | Floating (usually SOFR +) | 24-36 months | 70-85% LTC / 1.25x DSC at Perm | Ground-Up Development |
We specialize in multifamily financing. From garden-style to Class A towers, from affordable housing to luxury student communities, we understand the nuances and have the lender relationships that deliver results.
Contact us for a rate quote, program comparison, or to discuss your specific deal structure.