Multifamily Loans: $1M-$100M+ | Close in 30-60 Days
Apartment building loans from $1M to $100M+. Agency, bank, CMBS, and bridge programs. Access to 1,000+ lenders nationwide.
The Best Multifamily Financing, Tailored to Your Deal
Multifamily apartments are the most financeable asset class in commercial real estate. Whether you're acquiring your first 5-unit building or refinancing a 300-unit portfolio, Commercial Lending Solutions connects you with the right lender and the right program for your specific situation.
As a commercial mortgage broker with access to over 1,000 lenders, including Fannie Mae and Freddie Mac agency lenders, banks, credit unions, life companies, CMBS conduits, and debt funds, we present your deal to multiple capital sources simultaneously and negotiate the best terms on your behalf.
Multifamily Loan Programs
| Program | Rate | Term | LTV |
|---|---|---|---|
| Agency (Fannie/Freddie) | 5.85%, 6.50% | 5-25 yr | Up to 80% |
| Bank / Credit Union | 6.00%, 7.00% | 5-10 yr | Up to 75% |
| Life Company | 5.85%, 6.25% | 7-25 yr | Up to 70% |
| CMBS | 6.25%, 7.00% | 5-10 yr | Up to 75% |
| Bridge (Value-Add) | 7.50%, 9.50% | 12-36 mo | Up to 80% |
Rates shown are approximate ranges as of Q1 2026 and vary by property size, location, borrower strength, and market conditions.
Common Multifamily Use Cases
Acquisition
Financing for purchasing apartment buildings and multifamily complexes. We match your deal with the best acquisition loan program based on property condition, occupancy, and your investment timeline.
Refinance
Lower your rate, extend your term, or pull cash out of your stabilized multifamily asset. Take advantage of competitive permanent rates to optimize your capital structure.
Value-Add & Rehab
Bridge financing for unit renovations, amenity upgrades, and repositioning strategies. Increase rents, stabilize, then refinance into a permanent loan at a higher valuation.
Portfolio Consolidation
Combine multiple smaller multifamily properties into a single portfolio loan. Simplify your debt structure, reduce administrative burden, and potentially improve your overall terms.
Property Types We Finance
- Garden-style apartments (5-100 units)
- Mid-rise & high-rise apartment buildings
- Student housing
- Senior living & assisted living
- Affordable housing & LIHTC properties
- Large-scale apartment communities (100-500+ units)
- Mixed-use with majority residential
- Workforce housing
Why Use a Multifamily Loan Broker?
The multifamily lending market has dozens of competing capital sources, agency lenders, banks, life companies, CMBS, and debt funds, each with different rate structures, underwriting criteria, and terms. Going directly to one lender means you get one set of terms. Working with Commercial Lending Solutions, your deal is shopped to the entire market.
- Access to 1,000+ lenders, including specialized multifamily and agency lenders
- One application, multiple competing term sheets
- We negotiate on your behalf, rate, fees, prepayment flexibility, interest-only periods, and cash-out limits
- Dedicated broker managing your deal from application through funding
- No upfront fees, we only get paid when your loan closes
Get Your Multifamily Loan Quote
Fill out the form below. We respond within 24 hours.
Deals We’ve Closed
Every deal has a story. Here are some recent transactions similar to what you may be looking for.
Multifamily Loan Questions
Important Loan Disclosures
Representative Example: A $10,000,000 multifamily loan at a 6.25% fixed rate (agency program) with a 10-year term and 30-year amortization would have an estimated monthly principal and interest payment of approximately $61,600. Total amount repayable over the 10-year term: approximately $7,392,000 (balloon balance due at maturity). This example is for illustrative purposes only; your actual rate, payment, and terms may differ.
Rate Range: Multifamily loan rates currently range from approximately 5.85% to 7.50%, depending on program type (agency, bank, CMBS, life company, bridge), property size, location, leverage, and market conditions at the time of funding.
Fees: Origination fees typically range from 0.5% to 2.0% of the loan amount. Additional costs may include appraisal ($3,000-$10,000), legal fees ($5,000-$15,000), title insurance, environmental reports, and third-party inspections. All fees will be disclosed in writing before loan commitment.
Loan Terms: Multifamily loan terms range from 5 to 30 years with agency, bank, CMBS, and life company execution available. Non-recourse financing available for qualifying properties and borrowers. Prepayment penalties (yield maintenance, defeasance, or step-down) may apply depending on the program.
Risks: Commercial real estate loans carry inherent risks including but not limited to: property value decline, interest rate changes, inability to refinance at maturity, tenant vacancy, and potential loss of invested equity or the property itself. Borrowers should consult with qualified financial, legal, and tax advisors before committing to any loan.
Broker Disclosure: Commercial Lending Solutions (Commercial Lending Solutions) is a commercial mortgage brokerage, California DRE License #02244836. Commercial Lending Solutions does not make loans directly. All loans are originated and funded by third-party lenders. Commercial Lending Solutions receives compensation from the borrower, the lender, or both upon successful loan closing. Commercial Lending Solutions is not affiliated with or endorsed by any specific lender.
Ready to Finance Your Apartment Building?
Get a multifamily loan quote in 24 hours. Call us at 310.708.0690 or fill out the form above.