How We Verify
Where the numbers on apartment.loans come from, and how we check them before they go live.
apartment.loans takes program terms only from primary sources such as Fannie Mae, Freddie Mac, HUD and the Federal Register. Market rates are pulled automatically from the U.S. Treasury and the New York Fed, never typed. Calculators are tested against fixed worked examples before release, and pages show an updated date only when their content actually changes.
Program terms come from the program
Every loan limit we publish, such as a maximum loan-to-value, a minimum debt service coverage ratio, a loan size cap or an amortization term, is taken from the organization that sets it. For agency and government programs that means Fannie Mae's and Freddie Mac's own term sheets and guides, HUD's handbooks, notices and mortgagee letters, and rules published in the Federal Register or the Code of Federal Regulations.
We do not take program rules from lender blogs, marketing sheets or other loan sites, including our own older pages. When a secondary source and a primary source disagree, the primary source wins. When we cannot confirm a figure at the source, we leave it out or say it varies by lender, rather than publish a number we cannot stand behind.
Pages that state program terms list the sources behind them. When a program changes, as Freddie Mac's did in April 2026, affected pages are corrected against the new source.
Market rates are pulled, never typed
Treasury yields and SOFR change every business day, so a rate typed into a page is out of date almost as soon as it is published. We do not type them. The rate tables on this site are filled in your browser from the site's own data feed, which pulls:
- Treasury yields (5, 7 and 10-year) from the U.S. Department of the Treasury's daily par yield curve.
- SOFR and the 30-day SOFR average from the Federal Reserve Bank of New York.
- The bank prime loan rate from the Federal Reserve's H.15 data series.
Each table shows the date of the data it is displaying. You can see the live feed on apartment loan data, and developers can query it directly through our API.
What we do not publish is a lender's spread or an all-in loan rate. Those depend on the deal and the lender.
Calculators are tested before release
Every calculator on the site is checked against fixed worked examples: a set of inputs with a known, hand-checked answer. A calculator ships only when it reproduces those answers, and the same examples are re-run when the calculator changes. The worked-example tables you see on tool pages are produced by the same calculation code you use, not written by hand, so the example and the tool cannot disagree.
Corrections and dates
A page's updated date changes only when its content actually changes: a corrected fact, a new program rule, a rewritten section. We do not re-date pages to make them look fresh. If you find an error, email desk@janover.co with the page and the source that shows the correct figure, and we will check it against the primary source.
Lender and comparison pages
Our lender profiles and side-by-side comparison pages are written from public sources: the lenders' own published materials and the agencies' program documents. They describe what each lender or program offers; they are not rankings.
apartment.loans is operated by Janover Capital LLC. Janover is not a lender. It compares lenders and arranges financing for owners of apartment buildings with five or more units.
Frequently asked questions
Where does apartment.loans get its loan program terms?
Only from primary sources: Fannie Mae's and Freddie Mac's own term sheets and guides, HUD handbooks, notices and mortgagee letters, and federal rules published in the Federal Register or the Code of Federal Regulations. We do not use lender blogs or other loan websites as sources for program rules. If a figure cannot be confirmed at its source, we leave it out or say it varies by lender.
Are the interest rates on apartment.loans current?
The Treasury yields and SOFR shown on the site are pulled automatically from the U.S. Treasury and the Federal Reserve Bank of New York through the site's own data feed, and each table shows the date of its data. No market rate is typed into a page. The site does not publish lender spreads or all-in loan rates, because those depend on the specific deal.
How accurate are the apartment.loans calculators?
Each calculator is tested against fixed worked examples with known answers before it is released, and re-tested when it changes. The worked examples on tool pages are generated by the same code you run. Results are planning estimates: a lender sizes your loan on its own underwriting of your property, and the loan documents control.
How do I report an error on apartment.loans?
Email desk@janover.co with the page address, the statement you believe is wrong and, if you have it, the primary source that shows the correct figure. We check the claim against the source and correct the page if it is wrong. Pages show a new updated date only when their content actually changes.
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