Multifamily properties perform best when the financing behind them is structured with clarity. Investors, operators, and property managers rely on loan programs that support stable cash flow, long term planning, and predictable performance. This page outlines the financing strategies available for apartment acquisitions and refinances and shows how the right structure strengthens your investment.

Agency

Fannie Mae, Freddie Mac, and HUD/FHA programs designed for stabilized properties with strong occupancy and predictable cash flow. Agency loans support long term performance with competitive rates and clear underwriting.

Conventional / Bank

Bank and credit union financing for investors who want relationship‑driven underwriting and flexible structures. Conventional loans work well for stabilized assets and local or regional portfolios.

CMBS / Conduit

Commercial mortgage backed securities programs that offer non‑recourse structures, fixed terms, and strong leverage for qualifying properties. CMBS financing is often used for larger assets and long term holds.

Life Company

Insurance company financing for high quality properties with strong financials. Life companies offer some of the most stable long term rates and conservative structures for well‑performing assets.

Alt A / Near Bankable

Programs designed for investors who need flexible underwriting, alternative documentation, or unique property considerations. Alt A financing supports borrowers who fall outside traditional guidelines but still maintain strong investment performance.

Private Money / Bridge Loans

Short term financing for acquisitions, repositioning, or value‑add strategies. Private and bridge lenders provide speed, flexibility, and creative structures that help investors move quickly and execute on opportunities.