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Loans $750,000 to $500,000,000
Better Business Bureau Rating A+

Loan Products and Services

Multifamily Acquisition and Refinance Loans

By specializing in apartment financing with the lowest fixed rates in America since 1997 you can count on Apartment Loan Store to close your loan as proposed.  Ask us about our 30 year fixed apartment mortgage at 4.05%.  We are proud of our A+ rating with the Better Business Bureau a
What Are Fannie Mae Apartment/Multifamily Loan Guidelines? Fannie Mae, short for Federal National Mortgage Association gives apartment/multifamily building investors some of the best rates and terms available in American.  Rates can be fixed from 5 to 30 years.
Freddie Mac apartment/multifamily financing is one of Apartment Loan Store's lowest rate apartment loan programs. These loans are sold to Freddie Mac for securitization in mortgage pools on Wall Street. Freddie Mac’s multifamily loan program includes market rate, senior housing, student housing and affordable housing.
Refinance your commercial property with a securitized loan up to 80%. Most banks go up to 75% LTV and prefer to not do a cash out refinance. Private and Securitized Lenders as well as Life Companies have no problem with cash out refinancing for any reason. They view it as “this is your money, do what you want with it”.  
With the lowest 30 to 40 year fixed rates in America, our HUD Apartment loans are by far the most attractive multifamily financing available in the US. Apartment Loan Store has been a specialist in funding HUD Multifamily Apartment Loans since 1999 lending in all 50 states.   
Apartment Loan Store has one of the best interest only multifamily perm loan programs available in America. Interest only payments are available from 1 – 10 years depending on Loan to value, DSCR and where the property is.
The 7 best apartment building rehab loans in America, are ranked based on maximum loan to cost, interest rate, loan term, what it takes to qualify and customer satisfaction. Choose the multifamily rehab loan that is the best fit for you.
Apartment Loan Store has specialized in bad/poor credit apartment/multifamily loans since 1997 for investors with less than good credit. With three programs to choose from (see below) our poor credit apartment loan specialists will find the poor credit apartment financing that is right for you.
Since 2002, Apartment Loan Store has offered 4 Affordable Housing Loan programs nationally. These programs have been created to preserve existing affordable housing apartment complexes and to encourage the development of new ones.
Since 1997, Apartment Loan Store has specialized in Senior Housing Financing for 55 and older communities and facilities offering: Independent Living, Assisted Living, Memory Care and Nursing Home Care Nationwide.
CMBS Loan stands for Commercial Mortgage Backed Security Loan.  Also know as a conduit loan, these Commercial Real Estate loans are pooled with other loans with the same maturity and sold as mortgage backed security bonds to investors. CMBS loans have low rates and can be fixed for 5 or 10 years. CMBS loans are quite popular at Apartment Loan Store because they are stated in nature in that they do not require tax returns. Furthermore, these loans do not require the high net worth and liquidity (cash) that most Commercial Real Estate Loans require.
At Apartment Loan Store we have specialized in fast funding apartment bridge loans since 1997. Apartment bridge loans are used to finance apartment buildings that need remodeling or rehabilitation or are not stabilized (meaning they have lower than market occupancy and/or income). Our Multifamily Bridge loans typically have a term of one year to two years with rates starting in the five to six percent range for stronger borrowers and properties with a 30-day closing, and rates starting in the seven percent range for borrowers that have lower credit scores, lower liquidity, net worth or have properties that are in need of major rehab. We can close an apartment bridge loan in as little as 2 weeks.
Mezzanine financing enables a property or business owner to put less money down. It is different from a real estate loan in that it is not secured by a lien on the property but by an ownership interest in the real estate or business. Mezzanine debt fills the gap between debt and equity on highly leveraged real estate or business transactions.

Construction Loans (7 programs)

With 7 Construction Apartment Loan programs to choose from, and over 100 direct lending sources, Apartment Loan Store will match you with the Multifamily construction loan program that is right for you.  Call one of our friendly Multifamily Construction Loan Specialists to determine which of the programs below is right for your development.
The FHA/HUD 221 (d)(4) provides assumable non-recourse construction and perm financing for new apartments or substantial rehabilitation of existing apartments.  Featuring 85% loan to cost (no loan to appraised value) a 40 year very low fixed rate, a 40 year term and 40 year amortization – you can see why this is the best construction roll over to perm loan in America. If you are bringing in investors, the non-recourse feature makes this loan a must – especially since it is difficult to find a non-recourse construction loan.

Other Loan Products

With the lowest long term fixed rate mobile home park financing since 1997, Apartment Loan Store has 6 mobile home park loan programs for manufactured housing communities. Find the mobile home park loan that is right for you. Our experienced mobile home park financing specialists will analyze the quality, location, services, and number of park owner owned homes to determine which loan program is the best fit for you. Based on your long or short term strategy for the property we can customize the fixed rate term from 5 to 30 years.
At Apartment Loan Store, we have a deep background in Student Housing Lending, and are proud that this is a niche we excel in. Since 1997 we have specialized in funding all types and sizes of student housing properties located near universities and colleges. With four Student Housing Programs to choose from, we will find the right program for you. Student Housing differs from all other multifamily properties in that it's more often rented by the bed, not the unit. Most lenders require that the students sign yearly leases and that the leases are guaranteed by a parent. 
With 7 Mixed Use Commercial Loan Programs to choose from, Apartment Loan Store will find the right Mixed Use Property financing for you. We will find the right Mixed Use building loan for you with the lowest rates.
Financing more than Four 1 – 4 unit rental properties can be easy with Apartment Loan Store’s Multiple Rental Property Loan Program.  This is also known as a blanket mortgage, which covers two or more properties with one loan.
Commercial loans take three prequalifications. They evaluate the quality of the borrower, the quality of the property's income and the quality of the property itself. If just one of these do not qualify, it will sink your loan.
Apartment Loan Store has 4 Stated Income Commercial Loan Programs that do not require personal or business tax returns. There is absolutely no statement or verification of personal or business income, no debt to income ratio (DTI) and no W-2 forms or wage statements required. Some of these Commercial Stated Income Mortgages have amazingly low rates.

Loan Rates

Commercial Construction Loan Rates vary from around 4.00% to 12.00%, based on the lender's cost of funds. Also, the  experience, credit and financial strength of the developer and key principals on the project are all factors.
Which apartment/multifamily loan is right for you? We've got 30-year fixed rates starting at 3.95%. Since 1997, we have shopped our network of affiliated lenders to land our clients the best deals on apartment building loans of 5 units or more.
Cap Rates for Multifamily Apartment properties are relatively flat for 2019 in this market. Averaging 4.60 for newer Luxury Metro properties, 4.87 for A Class, 5.24 for B Class, 6.02 for C Class and 6.40 for Value Added Acquisitions.  With the economy adding more jobs and moderate wage increases rents are stable and vacancies are less than 5.00%. The continual increase in single-family home prices throughout 2018 has strengthened the demand for rental units. The volatility of the Stock Market has pushed more investors into US Treasury Bonds and Income Property Investments.     
By the time you apply for a non-recourse loan, the lender already knows what return they want or need to have on their money. The total return is based on a combination of interest rate and points. For example: If the interest rate is 6.00% and the points charged are 2.00%, annually the lender will be earning a yield of 8.00%. Private money lenders usually lend from a fund, or a group of individual investors. Some lend from a warehouse line of credit. In this case they need to earn a margin of profit over their cost of funds.