$75 Million Life Company Multifamily Permanent Loan

By Trevor Damyan, Commercial Mortgage Broker at Commercial Lending Solutions

A $75 million life insurance company multifamily permanent loan represents trophy institutional multifamily financing. Life co allocators concentrate at this scale on Class A and trophy multifamily at 55 to 65 percent LTV with 15 to 25 year fixed-rate term certainty unmatched by other capital sources.

Get a Quote on Your $75M Deal →

What a $75M Life Co Multifamily Permanent Capital Stack Looks Like

$75M life co multifamily perm loans fund as a single senior loan from a top-tier life co. Pricing reflects relationship tier and portfolio quality.

Capital Source Rate / Cost Size / LTV Notes
Life company (relationship tier) 5.40 to 5.85% (10-year fixed) $75M / 55 to 60% LTV Tightest pricing for established sponsors
Life company (15-year) 5.55 to 6.00% $75M / 55 to 60% LTV Long-term term lock
Life company (20-year) 5.75 to 6.20% $75M / 55 to 60% LTV Multi-decade lock
Fannie / Freddie 5.55 to 6.05% $75M / 70 to 75% LTV Higher leverage trade-off

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

Who Closes a $75M Life Co Multifamily Permanent Deal

Typical $75M life co multifamily perm sponsors are institutional and large family office multifamily owners with $250M to $5B+ of net worth. The deal is typically a refinance, acquisition, or recapitalization with multi-decade ownership horizon.

A Real $75M Example

On a 285-unit Class A trophy multifamily refinance in West LA, the sponsor refinanced a maturing life co loan into a new 20-year fixed life co perm at 5.85 percent, 60 percent LTV, $73M loan amount, with 5 years of interest-only and yield maintenance. Pricing reflected relationship tier (15 basis points inside lender's standard quote) given multi-decade lender relationship.

Anonymized. All deal references protect borrower and lender identity.

$75M Life Company Multifamily Permanent FAQ

Life co cost of capital on 50 to 65 percent LTV trophy multifamily is below agency, and they pass that pricing through to relationship borrowers.
15 and 20 year fixed are common. Some life cos quote 25 year fixed. Agency caps at 10 to 18 year fixed for most lenders.
Almost never. Life co allocator discipline caps multifamily at 55 to 65 percent LTV.

Get a Quote on Your $75M 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.