Agency, HUD, small balance and bridge financing for apartment buildings of 5 units and up. Long fixed terms, high leverage and non-recourse options.
We compare agency, HUD, bank and bridge options so your loan matches the property's condition and your hold period.
Fannie Mae and Freddie Mac financing for stabilized apartments.
Freddie Mac small balance loans from $1 million.
HUD 223(f) acquisition and refinance, fixed for up to 40 years.
Short-term loans for renovation and lease-up.
4% low-income housing tax credit bond financing.
Ground-up apartment financing; see commercial construction.
The best terms available across our lending partners. Final terms depend on the property, its income, your credit and the program.
Share the rent roll, trailing 12-month operating statement and your plans for the property.
We size the loan across agency, HUD, small balance and bridge options and show you the trade-offs.
Choose the program, lock the rate and close.
Apartment loans are limited by the property's income as well as its value.
The loan is the lower of the LTV limit and the amount this payment supports at current rates. Required DSCR ranges from about 1.20x to 1.40x by program and market.
Agency loans close faster with fixed terms up to about 30 years. HUD offers the longest fixed terms and non-recourse, but takes 90 to 120 days. Bank loans are more flexible on smaller or unusual properties.
Yes. Agency, HUD and Freddie Mac small balance loans are generally non-recourse.
From 5 units. Freddie Mac small balance loans start at $1 million, and bank programs on our long-term financing page go smaller.
Start with a bridge loan, then refinance into agency or HUD once it's stabilized.
Yes. See commercial new construction.
Send us the rent roll. We'll compare agency, HUD and bank options for you.
Terms shown are the best available across Capital Lending Group's lending partners as of October 2026 and change without notice. Not every borrower or property qualifies for every term. Loan amounts, leverage, terms and eligibility vary by lender, property, market, experience, credit profile and state. Business-purpose financing only. All loans are subject to lender review and approval. Capital Lending Group, LLC is a loan broker, not the lender. Agency and HUD programs are subject to Fannie Mae, Freddie Mac and HUD approval and timelines.
Disclosure: Capital Lending Group, LLC is a loan broker, not the lender. We specialize in assisting businesses with the loan application process by connecting you with lenders who may provide financing. While we offer guidance and support throughout the application process, Capital Lending Group, LLC is not the lender and does not provide funding directly. Loan applications are subject to lender review and approval. Offerings and eligibility requirements vary by lender.
