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17 Best Apartment Multifamily Loans 2019

By Terry Painter/Mortgage Banker

What are the best Apartment Multifamily loans in America? Which programs have the lowest rates and highest LTV’s?  What about interest only and prepayment penalties?  What does it take to qualify? Which programs require tax returns. Which apartment loan programs are assumable? Based on their rates, terms, and feedback from our clients these programs are ranked number 1–17. READ MORE

Which Apartment/Multifamily Loan is Right for You?

Since 1997, we have shopped our network of affiliated lenders to land our clients the best deals on apartment loans for buildings of 5 units or more, and $500,000 plus.

Apartment Loan Store has specialized in the lowest rate multifamily loans for over 20 years.   Do you want a 30 year fixed rate mortgage with a 30-year amortization?  Well, we have that. An interest only loan? Yes, we can do that. A bridge loan to acquire a property that needs rehab so you can fix and flip? Well, we have that too. Do you own a piece of land that you want to build an apartment building on, but you do not have the experience as a developer, and need to bring in investors? Well… you guessed it, we are really good at that too. Do you want the whole transaction to be non-recourse (no personal guarantees) Yes, that too? As an advisory firm, we will even help put your investment or development team together, help you with your pro forma, and analyze the property for value and financing.  READ MORE

December 12, 2017

What is debt service ratio (DSR)? Well, let us start out by saying that although Debt Service Ratio is used more than half of the time by bankers, mortgage brokers and realtors, the correct term is Debt Service Coverage Ratio (DSCR). When you apply for a commercial mortgage, the DSCR is the most important calculation to the lender. DSCR is the margin of net operating income left over to make mortgage... more

December 6, 2017

What is Yield Maintenance? Why is it so difficult to get a straight answer on this?

So imagine you are taking out a commercial loan and you’re told that the prepayment penalty is yield maintenance. No one—and I mean not even the lender—can likely give you an explanation that gives you that feeling of comfort where you finally say to yourself, “Ok, I get it”. 

Yield Maintenance... more

October 18, 2017

Commercial Real Estate – The Hidden Trap That Turns Your Investment Into a Las Vegas Crapshoot

There is a hidden trap that many commercial real estate investors are not aware of. Not being aware of it will quite possibly cause them to experience big monetary loss.

A substantial number of commercial real estate investors will try to get the biggest loans possible to acquire... more

September 19, 2017

What originally prompted me to write on this subject? In one year, we had two of our investors report to us that their property managers stole money from them. I was shocked, and wanted to warn investors to be sure to manage their property managers.

Nearly always, your business is more important to you than it is for someone else who is not an owner. You have more at stake. If... more

September 6, 2017

Many inexperienced people think that commercial real-estate investment is just a passive investment – you just sit back and collect lots of money.

Nothing could be further from the truth. Do you just sit back and collect money passively if you run a restaurant? No! There is a lot of work. The management, managing your managers, customers, customer service, legal, marketing, repair,... more

August 30, 2017

If you have money to invest, read this article. Why? It tells you a number of reasons for commercial Real-Estate being a great investment. Some think it’s the number one investment of all investments.

Let’s get right to it:

1. The Power of Leverage –

*So many commercial Real-Estate properties have multiple units in one location (For example – apartment buildings). Think about... more