Current Multifamily/Apartment Loan Rates in Torrance, California
Multifamily Loan Rates - Lowest to Highest
Rates as of: 10/15/2025
| Rate | LTV | Term | Am | |
|---|---|---|---|---|
| 5.23 - 5.79% | 80 - 85% | 35 | 35 | |
Life Companies |
5.4 - 5.9% | 65 - 70% | 5 – 25 | 15 - 30 |
| 5.54 - 6.28% | 75 - 80% | 5 – 30 | 30 | |
| 6.08 - 6.58% | 75 - 80% | 5 – 10 | 30 | |
National Bank Capital Divisions |
6.14 - 6.7% | 65 - 70% | 5 – 10 | |
| 6.22 - 6.31% | 75% | 5 – 10 | 25 - 30 | |
Community Banks |
6.25 - 6.88% | 65 - 75% | 3 – 5 | 25 |
Credit Unions |
6.6 - 6.95% | 75% | 5 – 10 | |
Regional Banks |
6.6 - 7.05% | 75% | 3 - 10 | 25 - 30 |
| 7.35 - 8.6% | 3 - 5 | 30 | ||
Crowd Funding |
8.6 - 9.6% | 70 - 80% | 5 | Int. Only |
Private Debt Funds |
8.6 - 10.1% | 70 - 75% | 2 - 5 | Int. Only |
Multifamily Construction Loan Rates - Lowest to Highest
Loan Rates as of 10/15/2025| Loan Type | Rates |
|---|---|
FHA Commercial Construction Loan (Multifamily) Based on the 10 year US Treasury Rate. Rate is fixed for the life of the construction loan and also for the full 40 years for the permanent loan. |
6.19 – 6.79% |
Life Company Commercial Construction Loan Based on the 30 day SOFR rate. Rate changes monthly |
6.75 – 7.15% |
National Bank Commercial Construction Loan Based on the 30 day SOFR rate. Rate changes monthly |
7.04 - 7.35% |
Regional Bank Commercial Construction Loan Based on the 30 day SOFR rate. Rate changes monthly |
7.45 – 7.80% |
Community Bank Commercial Construction Loan Based on Prime Rate.Rate changes has prime rate changes |
7.75 – 8.25% |
Private Debt Fund Construction Loan |
8.75 – 9.75% |
Hard Money Commercial Construction Loan |
9.99 - 12.00% |
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Getting the right loan and the lowest rate requires wisdom and finesse. If you’re ready to partner with a team of professionals who’ve built a foundation on straight talk and true strategy, we are the loan store for you.
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HUD Loans are one of the best options with the current level of interest rates. For a complete guide to HUD Multifamily Loans please go here: