$10 Million Multifamily Acquisition in Manhattan

By Trevor Damyan, Commercial Mortgage Broker at Commercial Lending Solutions

A $10 million multifamily acquisition in Manhattan typically fits a 12 to 30 unit walk-up or small elevator building, often with rent stabilization. Most $10M Manhattan multifamily acquisitions fund through Fannie DUS Conventional or Freddie Optigo Conventional at 70 to 75 percent LTV.

Get a Quote on Your $10M Deal →

What a $10M Multifamily Acquisition Capital Stack Looks Like

$10M Manhattan multifamily acquisitions fund as a single senior agency loan.

Capital Source Rate / Cost Size / LTV Notes
Fannie Mae DUS Conventional 5.85 to 6.30% $10M / 70 to 75% LTV Standard agency execution
Freddie Mac Optigo Conventional 5.78 to 6.20% $10M / 70 to 75% LTV Standard agency execution
NY-area specialty bank 6.85 to 7.85% $10M / 65 to 70% LTV Some specialty NYC banks
CMBS conduit 6.45 to 7.05% $10M / 65 to 70% LTV Defeasance prepay

Pricing reflects active CLS CRE quote pipeline as of April 2026. Specific deal pricing depends on sponsor, property, and structure.

Who Closes a $10M Multifamily Acquisition Deal

Typical $10M Manhattan multifamily acquisition sponsors are NYC-area institutional and private capital owners with multi-property portfolios. Manhattan-specific underwriting items include rent stabilization, Local Law 97, Local Law 11, and 485-x.

A Real $10M Example

On a 22-unit walk-up multifamily in Lower Manhattan with 70% rent stabilized and 30% free market mix, the sponsor was a NYC-area sponsor with 6 properties. Freddie Mac Optigo Conventional at 5.85 percent fixed 10-year, 73 percent LTV, $9.8M.

Anonymized. All deal references protect borrower and lender identity.

$10M Multifamily Acquisition Manhattan FAQ

Yes. Both Fannie Mae and Freddie Mac actively finance Manhattan multifamily including rent-stabilized properties.
Local Law 97 imposes carbon emission caps on NYC multifamily that phase from 2024 through 2050. Lender underwriting evaluates the property's compliance pathway.
485-x is the NYC tax abatement program that replaced 421-a in 2024-2025 for new market-rate multifamily development with affordability commitments.

Get a Quote on Your $10M Deal

Tell us about your transaction. We will run it past lenders that actively fund this size and product type and send back terms within 48 hours.

Apply for Financing →
Or call us: 310.758.3576

Weekly Market Intelligence

Rate updates, deal insights, and capital markets analysis. One email per week. Unsubscribe anytime.

No spam. No selling your data. Just market intelligence from a working broker.

Need financing? Apply in 2 minutes. Response within 24 hours.
Apply Now →
📈

Before You Go…

Get matched with the right lender from our network of 1,000+ capital sources.

Or call us: 310.758.3576

No spam. Unsubscribe anytime.