Senior Housing and Care Facility Financing
Senior housing loans provide acquisition, refinance, construction, and bridge financing for independent living, assisted living, memory care, and skilled nursing facilities. These specialized loans underwrite to census (occupancy), acuity mix, and operator performance rather than standard real estate metrics. Commercial Lending Solutions sources senior housing financing from HUD LEAN, FHA, USDA, life companies, and specialized private lenders. Minimum loan size is $2 million.
Apply for Senior Housing Financing →Senior Housing Loans at a Glance
Senior Housing and Care Facility Financing
Senior housing is one of the most compelling demographic investment theses in commercial real estate, driven by the aging of 73 million Baby Boomers who are entering their peak senior housing years. The sector encompasses a spectrum from active adult communities to skilled nursing facilities, with independent living, assisted living, and memory care as the primary institutional investment categories. Each care level has distinct regulatory requirements, staffing ratios, and reimbursement structures that affect lender underwriting. HUD FHA 232 and 232/223(f) programs offer the best long-term permanent financing for licensed care facilities. Bridge and value-add capital comes from specialized senior housing debt funds. Construction financing for new senior housing is available from banks and debt funds for proven operators with strong pre-leasing or sponsorship credentials.
Lender Sources
- HUD FHA 232 and 232/223(f) LEAN Program
- Life Insurance Companies
- USDA Community Facilities Program
- Senior Housing Debt Funds
- Regional Banks with Healthcare Lending
Ideal For
- Independent living community acquisition and refinancing in high-income suburban markets
- Assisted living facility construction for experienced regional operators
- Memory care facility development near affluent suburban markets with aging demographics
- Skilled nursing facility refinancing and value-add repositioning
- Continuing care retirement communities seeking long-term HUD permanent financing
- Senior housing portfolio acquisitions needing bridge-to-HUD takeout structures
Related Property Types
Senior Housing Loans are available for all major commercial property types. Explore financing by property category.
Senior Housing Loans FAQ
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