Tap to get financing
Apartment Loans
Fannie Mae
Fannie MaeMultifamily Small Loan ProgramFannie Mae DUS Loans
Freddie Mac
Freddie MacSmall Balance LoansAffordable Housing Express Loans
FHA/HUD
HUD LEAN Loan ProcessingHUD 232/223(a)(7) Refinancing LoansHUD 232/223(f) LoansHUD 241(a) Supplemental LoansHUD 232 LoansHUD 223(a)(7) Refinancing LoanHUD 223(f) LoansHUD 221(d)(4) LoansHUD Apartment Loans
Non-agency
Life Company Apartment LoansHard Money Apartment LoansApartment Bridge LoansMezzanine FinancingSmall Apartment LoansBank LoansConstruction LoansCMBS Loans
Learn
BlogYield Maintenance CalculatorLoan Repayment CalculatorNOI CalculatorGross Rent Multiplier CalculatorDebt Service Coverage Ratio (DSCR) CalculatorDebt Yield CalculatorCash on Cash Return CalculatorCap Rate CalculatorBreak Even Ratio CalculatorApartment Mortgage CalculatorLoan To Value and Loan To Cost RatiosApartment Finance Due Diligence ResourcesHow to Purchase an Apartment Property
About us
TeamLeadership
Get financing

Apartment Loans Secrets

Learn everything you need to know about Apartment loans through our easy-to-read blog. We discuss rates, terms, property types, and trends, and compare Apartment loans with other MFL financing options.

Nov 1, 2022 | 2 min read

What is Conduit Financing?

In apartment property investing, conduit financing typically refers to the use of conduit loans - also known as cmbs loans - to finance the acquisition of an apartment property.

Sep 9, 2022 | 2 min read

Operating Expense Ratio Explained

In apartment property investing, the operating expense ratio compares the cost of operating the asset to the income it produces.

Jul 1, 2022 | 3 min read

Real Estate Mutual Funds

Jun 23, 2022 | 2 min read

Advantages and Disadvantages of Investing in REITs

Jun 22, 2022 | 3 min read

Understanding Real Estate Investment Trusts (REITs)

Jun 22, 2022 | 5 min read

Setting up an LLC for Investing Purposes

Jun 22, 2022 | 2 min read

Holding Companies Explained

Jun 17, 2022 | 2 min read

Profit Distribution in Syndication

Jun 17, 2022 | 3 min read

3 Books for Beginning Apartment Investors

Three books for potential apartment asset investors looking for a good starting point before beginning the investment journey.

Jun 16, 2022 | 2 min read

Understanding Special Purpose Entities

Jun 16, 2022 | 2 min read

Rent Concessions Explained

Jun 10, 2022 | 2 min read

Syndication in Apartment Investing

Jun 9, 2022 | 4 min read

Understanding Cap Rate Spread

Jun 9, 2022 | 2 min read

Rent Abatement Explained

Jun 9, 2022 | 5 min read

5 Ways for Apartment Building Owners to Increase Revenue

Jun 3, 2022 | 3 min read

5 MLS Options for Apartment Property Investors

For investors looking for a suitable apartment asset to acquire, here are 5 commercial MLS sites worth consideration.

Jun 1, 2022 | 3 min read

Understanding Loan Assumption

Jun 1, 2022 | 3 min read

Parking Ratio Explained

Jun 1, 2022 | 2 min read

Balloon Loans and Payments Explained

May 27, 2022 | 2 min read

Understanding Prepayment Penalties

May 26, 2022 | 2 min read

Single-Asset Single-Borrower CMBS Explained

May 25, 2022 | 4 min read

CMBS loans in Apartment Investing

CMBS loans are fixed-income investments that utilize commercial real estate loans as collateral.

May 25, 2022 | 3 min read

3 Best Practices for Joint Ventures

Three practices to help ensure a successful joint venture.

May 17, 2022 | 3 min read

What Is LEED Certification?

May 13, 2022 | 4 min read

Challenges of the Apartment Lease-Up Period

Effective marketing strategies, preparing for increased spending and the right property management team can help you combat the challenges that come with the apartment lease-up period.

May 6, 2022 | 2 min read

Understanding Prime Rate

The prime lending rate, by definition, is the lowest interest rate lenders and financial institutions are willing to offer.

Apr 29, 2022 | 4 min read

Understanding Mezzanine Loans

Apr 22, 2022 | 4 min read

4 Loan Options for Apartment Property Rehabilitation

4 loan recommendations for the rehabilitation of an apartment property.

Apr 12, 2022 | 2 min read

Understanding the Lease-Up Period in Apartment Investing

A lease-up period can make or break your investment period. Find out what's involved.

Apr 8, 2022 | 6 min read

Understanding Bridge Loans for Apartment Property Investing

Bridge loans can be beneficial for apartment investors with immediate financing needs for an acquisition or development, but there are some key factors to consider.

Apr 1, 2022 | 4 min read

Supplemental Financing Options for Apartment Properties

Learn about bridge loans, mezzanine loans, and preferred equity financing for apartment investing.

Mar 22, 2022 | 6 min read

Buying Your First Rental Property in 5 Steps

Mar 18, 2022 | 5 min read

Top 10 Property Management Companies 2022

Mar 18, 2022 | 5 min read

The Most Common Ways to Finance a Multifamily Property

Mar 18, 2022 | 6 min read

5 Tips for New Landlords

New landlords may find these 5 tips to be extremely helpful for the profitable ownership of an apartment property.

Mar 4, 2022 | 3 min read

Pooling and Servicing Agreements Explained

Mar 4, 2022 | 1 min read

OpEx: Operating Expenses

Feb 18, 2022 | 4 min read

Occupancy Rate

Feb 18, 2022 | 2 min read

Ingress and Egress in real estate

Feb 11, 2022 | 3 min read

Vacancy Rate Explained

Feb 11, 2022 | 3 min read

Replacement Reserves

Feb 11, 2022 | 2 min read

The National Equity Fund

Feb 11, 2022 | 2 min read

GPI: Gross Potential Income

Feb 11, 2022 | 2 min read

HAP Contracts

Feb 11, 2022 | 2 min read

GPR: Gross Potential Rent

Feb 11, 2022 | 2 min read

AMI: Area Median Income

Feb 4, 2022 | 3 min read

Yield Maintenance

Feb 4, 2022 | 2 min read

Step-Down Prepayment Penalty

Feb 4, 2022 | 2 min read

Terminal Capitalization Rate

Jan 28, 2022 | 6 min read

What is a Rent Roll?

Jan 28, 2022 | 3 min read

Fair Market Rent (FMR): Use Cases and Calculator

Jan 28, 2022 | 3 min read

Certificate of Occupancy

Jan 21, 2022 | 3 min read

NNN: Triple Net Lease

Jan 21, 2022 | 4 min read

NPV: Net Present Value

Jan 21, 2022 | 2 min read

Gross Leasable Area

Jan 14, 2022 | 10 min read

Squatters' Rights Explained

Jan 14, 2022 | 5 min read

Defeasance

Jan 14, 2022 | 3 min read

Amortization

Dec 17, 2021 | 4 min read

DCR: Debt Coverage Ratio

Dec 15, 2021 | 4 min read

ARV: After Repair Value

Dec 13, 2021 | 5 min read

2021 Apartment Finance Documents, Forms, and Templates

Dec 3, 2021 | 5 min read

The Ratio Utility Billing System Explained

Dec 3, 2021 | 2 min read

Naturally Occurring Affordable Housing

Nov 26, 2021 | 3 min read

What is a Broker Price Opinion (BPO)?

Nov 26, 2021 | 4 min read

Trailing Twelve Months TTM meaning

Nov 26, 2021 | 4 min read

Pari Passu Explained

Nov 19, 2021 | 6 min read

The 6 Benefits of Buying an Apartment Building

Aug 13, 2021 | 3 min read

Comparing Apartment Loan Options

Aug 6, 2021 | 4 min read

Rent Price Update June 2021

Jun 3, 2021 | 4 min read

Freddie Mac Small Balance Loan Interest Rates

May 20, 2021 | 2 min read

2021 Capital Gains Tax Information for Apartment Property Investors

May 20, 2021 | 1 min read

Understanding Capital Gains Tax

May 19, 2021 | 2 min read

What is Internal Rate of Return (IRR)?

May 19, 2021 | 3 min read

Understanding Land Use Restrictive Agreements (LURA)

May 19, 2021 | 3 min read

Important Considerations for General Contractor Budgets and Contracts

May 19, 2021 | 3 min read

CMBS Special Servicers

May 18, 2021 | 5 min read

What is the National Multifamily Housing Council (NMHC)?

May 14, 2021 | 7 min read

Choosing a General Contractor

May 13, 2021 | 3 min read

What is the American Apartment Owners Association?

May 13, 2021 | 3 min read

Understanding Corporate Housing

May 7, 2021 | 1 min read

Understanding Loan-To-Value (LTV)

May 7, 2021 | 2 min read

EBITDA Explained

Apr 23, 2021 | 4 min read

What is the National Apartment Association?

Apr 21, 2021 | 3 min read

Important Considerations for Mezzanine Debt

Apr 20, 2021 | 3 min read

What is DSCR?

Apr 20, 2021 | 3 min read

LIHTC Apartment Financing Options

Apr 9, 2021 | 11 min read

The HUD Section 8 Program: A Guide for Apartment Loan Investors

Mar 19, 2021 | 1 min read

What is the Preservation of Affordable Rents Covenant (PARC)?

Mar 19, 2021 | 2 min read

SOFR Replacing LIBOR

Mar 19, 2021 | 2 min read

Opportunity Zones and the Low-Income Housing Tax Credit (LIHTC) Program

Mar 18, 2021 | 1 min read

What is Mezzanine Financing?

Mar 18, 2021 | 2 min read

What is HUD LEAN Processing?

Mar 18, 2021 | 4 min read

What is Gross Rent Multiplier (GRM)?

Mar 18, 2021 | 1 min read

What is Preferred Equity?

Mar 18, 2021 | 7 min read

Low-Income Housing Tax Credit

Mar 18, 2021 | 3 min read

Equity Multiple Alternatives and Calculator

Mar 18, 2021 | 2 min read

What is ADR: Average Daily Rate?

Mar 18, 2021 | 1 min read

What is a Credit Tenant Lease (CTL)?

Mar 18, 2021 | 4 min read

What is Debt Yield?

Mar 18, 2021 | 2 min read

What are Recourse Loans?

Mar 18, 2021 | 2 min read

What are the Guidelines for HUD LEAN Processing?

Mar 18, 2021 | 3 min read

What are Capital Expenditures (CapEx)?

Mar 18, 2021 | 2 min read

What are "Bad Boy" Carve-Outs?

Mar 18, 2021 | 4 min read

What are Non Recourse Loans?

Mar 18, 2021 | 1 min read

TI/LC: Tenant Improvements/Leasing Commission Explained

Mar 12, 2021 | 1 min read

What is Loan to Cost (LTC)?

Nov 13, 2020 | 2 min read

Freddie Mac Optigo

Jul 14, 2019 | 1 min read

How Does Regional Pricing Work for the Freddie Mac SBL Program?

Jun 6, 2019 | 1 min read

What is the Required LTV Ratio for the Freddie Mac SBL Program?

Jun 6, 2019 | 1 min read

What is the Required DSCR for the Freddie Mac SBL Program?

Jun 6, 2019 | 1 min read

What Types of Properties Can Be Purchased or Refinanced with Freddie Mac Small Balance Loans?

Jun 6, 2019 | 4 min read

Who are the Top Lenders for the Freddie Mac SBL Program?

Jun 6, 2019 | 2 min read

What are the Pros and Cons of the Freddie Mac SBL Program?

Explore the advantages and disadvantages of the Freddie Mac Small Balance Loan program.

Jun 6, 2019 | 1 min read

What are the Occupancy Requirements for the Freddie Mac SBL Program?

Jun 6, 2019 | 2 min read

What are the Prepayment Penalties for the Freddie Mac SBL Program?

Jun 6, 2019 | 2 min read

What is Freddie Mac’s Role in Multifamily Financing?

Jun 6, 2019 | 1 min read

Underwriting for Freddie Mac Small Balance Loans

Jun 6, 2019 | 1 min read

Top Markets for Freddie Mac Small Balance Loans

Jun 6, 2019 | 1 min read

Standard Markets for Freddie Mac Small Balance Loans

Jun 6, 2019 | 1 min read

Small and Very Small Markets for Freddie Mac Small Balance Loans

Jun 6, 2019 | 1 min read

Section 8 in Relation to Freddie Mac Small Balance Loans

Jun 6, 2019 | 1 min read

Replacement Reserves in Regards to the Freddie Mac SBL Program

Jun 6, 2019 | 2 min read

Securitization for Freddie Mac Small Balance Loans

Jun 6, 2019 | 1 min read

Freddie Mac Small Balance Loan Prepayment Penalties

Jun 6, 2019 | 1 min read

Freddie Mac SBL Property Condition Reports

Jun 6, 2019 | 1 min read

Non-Recourse Freddie Mac SBL Loans

Jun 6, 2019 | 1 min read

Interest-Only Freddie Mac Small Balance Loans

Jun 6, 2019 | 1 min read

Low-Income Housing Tax Credit/LIHTC for Freddie Mac Small Balance Loans

Jun 6, 2019 | 1 min read

Independent Living Facilities and the Freddie Mac SBL Program

Jun 6, 2019 | 1 min read

Does the Freddie Mac SBL Program Offer Rate Locks?

Jun 6, 2019 | 2 min read

Does the Freddie Mac Small Balance Loan Program Offer Fixed Interest Rates?

Jun 6, 2019 | 2 min read

Freddie Mac Optigo SBL vs. Fannie Mae Small Loans: What’s the Difference?

Jun 6, 2019 | 1 min read

DSCR for Freddie Mac Small Balance Loans

Jun 6, 2019 | 1 min read

Freddie Mac Multifamily Seller/Servicer

Jun 6, 2019 | 2 min read

Does the Freddie Mac SBL Program Offer Interest-Only Loans?

Jun 6, 2019 | 1 min read

Does the Freddie Mac SBL Program Allow For Commercial Space?

Jun 6, 2019 | 1 min read

Does the Freddie Mac SBL Program Offer Cash-Out Refinances?

Jun 6, 2019 | 1 min read

Appraisals for Freddie Mac Small Balance Loans

Jun 6, 2019 | 1 min read

Are Freddie Mac Small Balance Loans Assumable?

Jun 6, 2019 | 1 min read

Amortization in the Freddie Mac SBL Program

Jun 6, 2019 | 1 min read

Assumability for Freddie Mac Small Balance Loans

Jun 5, 2019 | 2 min read

What are the Advantages of Non-Recourse Loans?

Jun 5, 2019 | 4 min read

Property Condition Reports for Freddie Mac Small Balance Loans

Jun 5, 2019 | 1 min read

Is the Freddie Mac SBL Program Available for Affordable Properties?

Jun 5, 2019 | 3 min read

Environmental Assessments for Freddie Mac Small Balance Loans

Jun 5, 2019 | 1 min read

Are Freddie Mac Small Balance Loans Available for Age-Restricted Communities?

Jun 5, 2019 | 2 min read

Are Freddie Mac Small Balance Loans Available for Non-Contiguous Properties?

Apr 29, 2019 | 1 min read

Freddie Mac Small Balance Loans Under $1 Million: What You Need to Know

Apr 29, 2019 | 1 min read

Freddie Mac Small Balance Loans Between $6 Million to $7.5 Million: What You Need to Know

Getting commercial property financing should be easy.⁠ Now it is.

Click below for a free, no obligation quote and to learn more about your loan options.

Get financing →
Janover logo

Apartment Loans is a Janover company. Please visit some of our family of sites at: Multifamily Loans, Multifamily Today, Commercial Real Estate Loans, SBA7a Loans, CMBS Loans, Apartment Loans, HUD Loans, HUD 221d4 Loan, HUD 232 Loan, HUD 223f Loan, HUD 223a7 Loan, SBA Express Loans, SBA 504 Loans, and OpportunityZones Help.

Janover Inc.

6401 Congress Ave
Ste 250
Boca Raton FL 33487

hello@apartment.loans

Loan Types

Bank Loans
CMBS
Construction Loans
Fannie Mae
Freddie Mac
HUD/FHA Apartment Loans

Site Information

Privacy Policy
Terms of Use

This website is owned by a private 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.

Freddie Mac® and Optigo® are registered trademarks of Freddie Mac. Fannie Mae® is a registered trademark of Fannie Mae. We are not affiliated with the Department of Housing and Urban Development (HUD), Federal Housing Administration (FHA), Freddie Mac or Fannie Mae.

Copyright © 2023 Janover Inc. All rights reserved.