Asset Class
Multifamily & Apartment Financing Nationwide | Agency, Bridge, CMBS
Agency, bridge, CMBS, and construction loans for multifamily — conventional apartments, affordable housing, student housing, senior housing, and workforce housing in every U.S. market.
Agency
Up to 80% LTV, 5–30 yr
Bridge
Up to 80% LTV, 12–36 mo
CMBS
Up to 75% LTV, 5–10 yr
Construction
Up to 75% LTC, 24–36 mo
Min Size
$1M (SBL) / $5M (conv)
Property Types
5+ units, all multifamily
Multifamily is the most capitalized and competitively financed asset class in U.S. commercial real estate. Rad Capital Group places multifamily debt nationwide on 5+ unit apartment communities — conventional market-rate, affordable LIHTC, workforce, student housing, senior independent living, and manufactured housing communities.
Agency execution (Fannie Mae DUS and Freddie Mac Optigo) delivers the lowest-cost, longest-term, non-recourse debt for stabilized multifamily — up to 80% LTV, 30-year amortization, 5- to 15-year fixed-rate terms. Bridge debt funds value-add and lease-up plans. CMBS provides an alternative non-recourse execution for borrowers who don't qualify or prefer conduit structure. Construction loans cover ground-up multifamily development.
We also access mission-driven agency pricing for affordable housing, green/energy-efficient projects, and workforce housing — typically saving 25–75 bps of spread.
Most multifamily deals require a 1.20x–1.25x DSCR, 85%+ occupancy for permanent debt, and an experienced sponsor with comparable market and operational experience.
Frequently Asked Questions
What is the cheapest financing for multifamily?
Agency debt (Fannie Mae DUS and Freddie Mac Optigo) typically delivers the lowest rates and longest non-recourse terms for stabilized 5+ unit multifamily properties.
Can I finance a value-add multifamily property?
Yes — bridge debt covers acquisition and value-add renovations, with a take-out to agency permanent financing once the property reaches stabilized occupancy (typically 90%+).
Related Financing
Loan Product
Agency Loans (Fannie Mae & Freddie Mac)
Fannie Mae DUS and Freddie Mac Optigo agency loans for stabilized multifamily and affordable housing — the lowest-cost, longest-term non-recourse debt available in the market.
Loan Product
Bridge Loans
Short-term commercial bridge financing for acquisitions, value-add repositioning, and time-sensitive recapitalizations — placed with 150+ direct bridge lenders nationwide.
Loan Product
CMBS Loans
Fixed-rate, non-recourse commercial mortgage-backed securities (CMBS) financing for stabilized hotels, retail, office, multifamily, industrial, and self-storage properties.
Loan Product
Construction Loans
Ground-up and heavy-renovation construction loans for commercial real estate developers — interest-only during the build, flexible draw schedules, with take-out permanent or bridge financing teed up at completion.
Ready to explore multifamily financing?
Initial term sheets in as little as 2 weeks. Nationwide.