Long-Term Financing for Apartment Properties

Long-Term Multifamily Financing

For stabilized apartment properties, our term loan program provides the long-term stability you need with competitive rates and flexible structures.

When to Use a Term Loan

Refinancing Bridge Loans

You've completed your value-add project and stabilized the property. Now lock in long-term financing with better terms.

Taking Out Construction Loans

Your new construction is leased up. Refinance into permanent financing and return equity to investors.

Long-Term Hold Strategy

If you're planning to hold the property for years, a term loan provides predictable payments and protection from rate increases.

Loan Structure Options

Fixed Rate

Lock your rate for the entire term. Provides payment certainty and protection from interest rate increases.

Floating Rate

Rates adjust with market conditions. May offer lower initial rates but expose you to rate risk.

Hybrid (ARM)

Fixed for an initial period, then adjusts. Balances rate certainty with flexibility.

What We Underwrite

For term loans, we conduct full underwriting including:

• Income Analysis: Trailing 12 months, rent roll, lease audit
• Expense Analysis: Historical expenses, reserves, management
• Property Condition: Physical inspection and deferred maintenance
• Market Analysis: Rent comparables, vacancy rates, demand drivers

Cash-Out Opportunities

If your property has appreciated or you've paid down the loan, cash-out refinancing lets you:

• Return equity to investors
• Fund acquisitions of new properties
• Make capital improvements
• Build reserves