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Bank Loans

Bank loans for apartment properties can offer high leverage, low rates, and highly flexible loan terms.

In this article:
  1. Bank Financing for Apartment Investors
  2. Bank Apartment Loan Terms
  3. Get Financing
Start Your Application and Unlock the Power of Choice Experience expert guidance, competitive options, and unparalleled industry expertise.
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$5.6M offered by a Bank$1.2M offered by a Bank$2M offered by an Agency$1.4M offered by a Credit UnionClick Here to Get Quotes!

Bank Financing for Apartment Investors

While going straight to your local bank for apartment financing may be a thing of the past, getting an apartment loan from your bank certainly isn't. While it's true that Fannie Mae, Freddie Mac and HUD/FHA apartment loans often offer better rates and are generally non-recourse, banks can offer financing in situations where other lenders might not (think bridge loans or construction financing) and may even offer lower rates in certain situations.

Unlike agency and HUD lenders, banks aren't required to adhere to a strict set of guidelines set by federal government agencies. While that doesn't mean they're not adverse to risk (most are), they can often provide flexibility on loan terms in ways that other lenders simply can't. For instance, if you're not sure when you want to sell a property, a bank may be willing to reduce or eliminate prepayment penalties in exchange for a higher interest rate or an upfront fee.

Despite the potential benefits of bank financing for apartment borrowers, there are nearly seven thousand banks in the United States alone. That can make things tricky for borrowers trying to make an informed choice. So how do you know which banks are likely to provide you an apartment loan at a reasonable rate and term? The answer: you don't.

Instead of wasting your precious time and energy trying to figure out everything on your own, consider approaching an experienced intermediary, like the ones we have at apartment.loans. At apartment.loans, we do the work for you, utilizing our strong network of banking relationships to have banks compete against each other to give you the best loan possible.

Bank Apartment Loan Terms

  • Loan Size: Typically $500,000+
  • Loan Term: Typically up to 15 years
  • Pricing: Fixed rates vary
  • Amortization: Up to 30 years
  • Leverage: Maximum 75% LTV
  • DSCR: Minimum 1.20x DSCR
  • Interest-Only Period: Partial-term and full-term available
  • Advantages:
  • Greater flexibility in loan sizing.
  • Loans generally closer more quickly than CMBS, HUD or agency debt.
  • Lots of interest-only (I/O) loan options.
  • More flexibility in financing trouble assets.
  • Disadvantages:
  • Loans are often full-recourse.
  • Loans generally have shorter terms and amortizations than Fannie, Freddie or HUD financing.
In this article:
  1. Bank Financing for Apartment Investors
  2. Bank Apartment Loan Terms
  3. Get Financing

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At Janover, we offer a wide range of services tailored to your unique needs. From commercial property loans and LP management to business loans and services for lenders, we're here to help you succeed.

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Apartment Loans

Apartment Loans is a Janover company. Please visit some of our family of sites at: Multifamily Loans, Commercial Real Estate Loans, SBA7a Loans, HUD Loans, Janover Insurance, Janover Pro, Janover Connect, and Janover Engage.

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This website is owned by a company that offers business advice, information and other services related to multifamily, commercial real estate, and business financing. We have no affiliation with any government agency and are not a lender. We are a technology company that uses software and experience to bring lenders and borrowers together. By using this website, you agree to our use of cookies, our Terms of Use and our Privacy Policy. We use cookies to provide you with a great experience and to help our website run effectively.

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