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Apartment building financing, or multifamily property financing, is the process of obtaining capital for the purchase or refinance of a multifamily apartment building. This type of funding is in a constant state of change. As a result, multifamily finance providers must have thorough knowledge and awareness of available debt programs and be prepared to quickly analyze financing options.

The two most common types of financing for apartment buildings are fixed rates and variable rates. A fixed rate loan is just what it sounds like, a fixed interest rate that stays the same throughout the life of the loan. A variable rate is when the interest rates start very low but then increase towards the end of the loan.

This can be useful for businesses or individuals who do not have the capital for a large fixed rate monthly payment but expect an increase in income or revenue in the future to be able to cover the payments when the interest rates increase with a variable rate loan.

Here is a sample list of available program structures:

  • Fannie Mae Enhancement, Fixed and Floating Rate
  • Freddie Mac Enhanced Structures
  • Non-Rated Financings
  • Collateral Reserve based credit enhancement structures
  • Structures secured by an insurance policy
  • 501(c)(3) Financings
  • New Construction
  • Acquisitions and Rehabilitation Financings
  • Rated Transactions based on real estate
  • REIT Secured Financings

Getting a loan for an apartment building can be a very long and difficult process. If you are looking to purchase or refinance a multifamily property, let us help you find the perfect source for apartment building financing.


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