Apartments/Multi-Family Financing:

Loan Amounts from: $1,000,000 - $100,000,000


AARCS finances multifamily unit apartment loans nationwide. Our commercial lending programs are outlined from our Multifamily Finance Group with loan amounts from $1,000,000 to $100,000,000. Apartment loans five units and up, are the number one chosen loan product in the commercial capital lending market.

Multifamily apartment lenders are highly competitive when it comes to your apartment mortgage business and have commercial financing terms at the lowest apartment financing rates and terms. With the wide variety of apartment real estate, we have a number of investment mortgage loan products to meet your lending needs at or below current market interest rates.

Please review our Apartments/Multi-Family financing options below:

Apartment, Multifamily Lending Programs:

Property Types:

All Apartments, Multifamily, High-Rise & Urban Townhouses, Garden & Suburban Townhouses and Student Housing (20 units and greater)

Loan Amounts:

$1M - $100M

Loan Types:

Acquisition, Refinancing, Construction, Bridge, Mezzanine


3, 5, 7, 10, 15, 20 Years


15 - 30 Years

Minimum DSCR:


Maximum LTV:

80%; Seller Carry Back Allow


Full-Recourse and Non-Recourse; options available

Rate Benchmark:

Treasury Rate / Prime Rate / Libor Rate / FHLB Rate / Swap Rate


100 - 400 basis points

Geographic Area:



Borrowing Entity - Single Purpose Entity required
Prepayment - Defeasance or Yield Maintenance
Assumption- Allowed
Escrows- Required for Taxes and Insurance

Third Party Reports:

MAI Appraisal / Property Condition Reports
Phase I Environmental / Title / Survey

Application Fee:

None to AARCS; Varies by Lenders


45-90 days from complete due diligence package