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$25 Million Multifamily Loans in Los Angeles
Commercial Lending Solutions arranges $25 million multifamily loans throughout the Los Angeles-Long Beach-Anaheim metropolitan area. Current rates range from 4.85% to 6.25% with 60% to 75% leverage and 7 to 15 years terms, depending on the execution pathway (Fannie Mae, Freddie Mac, life insurance company, CMBS, or bank). Los Angeles's multifamily fundamentals, vacancy of 4.2%, rent growth of 3.8%, cap rates of 4.75%-5.25%, remain attractive to lenders as of 2026.
At a Glance: $25 Million Multifamily Loan in Los Angeles
Loan amount range
$22M to $30M
Interest rate range (2026)
4.85% to 6.25%
Typical LTV
60% to 75%
Typical term
7 to 15 years
Active lender types
life insurance companies, Fannie Mae DUS, Freddie Mac Optigo, CMBS conduits, national banks, pension funds
Los Angeles multifamily vacancy
4.2%
Los Angeles rent growth (YoY)
3.8%
Los Angeles multifamily cap rates
4.75%-5.25%
Why a $25 Million Multifamily Loan in Los Angeles?
A $25 million multifamily loan in Los Angeles is the capital markets execution level, where life companies offer their tightest spreads, agency lenders deliver premium pricing, and CMBS conduits maximize proceeds through non-recourse structures. Commercial Lending Solutions runs a competitive process across life insurance companies, Fannie Mae DUS, Freddie Mac Optigo, CMBS conduits, national banks, pension funds to secure the most aggressive terms available for your specific deal.
The Los Angeles multifamily market benefits from demand driven by entertainment, technology, logistics, aerospace, healthcare, with the strongest submarkets including South Bay industrial corridor, Downtown LA multifamily, West LA office, San Fernando Valley industrial.
Multifamily Submarkets We Finance in Los Angeles
Downtown LA
Hollywood
West LA
South Bay
San Fernando Valley
Inland Empire Gateway
Santa Monica
Beverly Hills
Lender Programs for $25 Million Multifamily in Los Angeles
Fannie Mae DUS: The most competitive source for stabilized market-rate multifamily in Los Angeles. Non-recourse, up to 80% LTV, 5 to 30 year terms.
Freddie Mac Optigo Conventional: Direct competitor to Fannie Mae DUS, often pricing aggressively on specific Los Angeles deal profiles.
Fannie Mae and Freddie Mac Small Balance Loan programs: Streamlined agency execution for loans starting at $1M, especially efficient for 5 to 50 unit product.
Life insurance company loans: Lowest fixed rates and longest terms for Class A and Class B institutional multifamily, with leverage typically capped at 65% to 70%.
CMBS conduit loans: Non-recourse fixed-rate financing for multifamily with higher leverage options, especially for portfolios or secondary-market assets.
Regional and national banks: Relationship-driven execution with flexibility on recourse, prepayment, and underwriting exceptions.
HUD/FHA 223(f) and 221(d)(4): 35 to 40 year fully amortizing non-recourse execution for long-term holders of market-rate, workforce, and affordable multifamily in Los Angeles.
Frequently Asked Questions
As of 2026, $25 million multifamily loans in Los Angeles price at approximately 4.85% to 6.25%, depending on the lender type, property quality, leverage, and sponsor profile. Fannie Mae and Freddie Mac agency execution typically delivers the tightest rates for stabilized properties, while life insurance companies price aggressively for Class A and Class B product in Los Angeles's strongest submarkets, and CMBS conduits offer non-recourse terms at competitive pricing.
Most $25 million multifamily loans in Los Angeles support 60% to 75% LTV. Agency programs (Fannie Mae DUS, Freddie Mac Optigo) can reach 80% LTV for stabilized properties with 1.25x minimum DSCR. Life insurance companies typically cap at 65% to 70% LTV in exchange for the tightest spreads. CMBS conduits offer up to 75% LTV with non-recourse structures and yield maintenance prepayment.
A $25 million multifamily loan in Los Angeles is the capital markets execution level, where life companies offer their tightest spreads, agency lenders deliver premium pricing, and CMBS conduits maximize proceeds through non-recourse structures. At this size, Commercial Lending Solutions runs a competitive process across life insurance companies, Fannie Mae DUS, Freddie Mac Optigo, CMBS conduits, national banks, pension funds to capture the most aggressive terms available for your specific deal and submarket.
Agency multifamily loans in Los Angeles typically close in 45 to 90 days. Life insurance company and CMBS loans usually require 60 to 90 days. Small balance loans and bridge loans can close faster, in 30 to 60 days for agency SBL and as little as 2 to 4 weeks for well-structured bridge executions. Timelines depend on property complexity, lender choice, and third-party report turn times.
Commercial Lending Solutions is a commercial mortgage brokerage with direct relationships across more than 1,000 capital sources, including every major Fannie Mae DUS and Freddie Mac Optigo lender, the largest life insurance companies, every active CMBS conduit, and the deep bench of regional banks and credit unions serving the Los Angeles market. We run a competitive process for your deal, which typically produces better rates, higher leverage, and more flexible structures than a single-lender execution.
Ready to Get a Quote?
Commercial Lending Solutions will run your $25 million Los Angeles multifamily deal through 1,000+ capital sources in under 24 hours. Term sheets typically return within 48 to 72 hours of a complete loan request.
Commercial Lending Solutions is a commercial mortgage brokerage headquartered in Los Angeles, California, serving borrowers in all 50 states. Trevor Damyan, California DRE #02244836. This page provides general commercial loan information; actual rates, terms, and leverage depend on the specific property, sponsor profile, and market conditions at the time of quote. Information current as of 2026.