Loan Types
Multifamily loan types
Execution frameworks across agency, bridge, bank, and debt-fund products.
Quick answer
What loan types are used for US multifamily (5+ units)?
Commercial multifamily sponsors typically choose among agency execution, bridge debt, regional bank balance-sheet loans, FHA/HUD programs, CMBS, and debt funds — each with different proceeds, pricing, prepay, recourse, and timeline trade-offs.
- Covers stabilized and transitional business plans
- Links to comparisons, guides, and calculators
- US scope only — see LendCity for CMHC MLI in Canada
Bank Balance-Sheet Multifamily Loan
Execution framework for Bank Balance-Sheet Multifamily Loan in US commercial multifamily financing, including fit, constraints, and risk controls.
Bridge Loan for Value-Add Multifamily
Execution framework for Bridge Loan for Value-Add Multifamily in US commercial multifamily financing, including fit, constraints, and risk controls.
CMBS Stabilized Multifamily Loan
Execution framework for CMBS stabilized multifamily financing on US 5+ unit assets, including sizing, prepayment, and servicing considerations.
Debt Fund Floating-Rate Loan
Execution framework for Debt Fund Floating-Rate Loan in US commercial multifamily financing, including fit, constraints, and risk controls.
Fannie Mae Multifamily Loan — Agency Stabilized
Fannie Mae multifamily loan execution for stabilized US apartment buildings (5+ units)—agency underwriting, DSCR, debt yield, and fit vs bridge or CMBS.
FHA HUD Multifamily Loan
FHA and HUD multifamily loan execution for eligible US apartment projects—including 221(d)(4) construction/rehab and 223(f) acquisition/refinance context.
Freddie Mac Optigo Multifamily Loan
Freddie Mac Optigo multifamily loan execution for stabilized US apartment buildings (5+ units)—agency underwriting, DSCR, debt yield, and fit vs Fannie or bridge.
Canadian multifamily & cross-border
CMHC MLI and insured Canadian multifamily programs live on LendCity. Use the links below when your portfolio spans US agency/bridge execution and Canadian multifamily or cross-border capital planning.
DSCR Authority — US 1–4 unit DSCR
Canonical ACTION for residential DSCR (1–4 units): calculators, state guides, and lender matching — not this site.
LendCity — Canadian multifamily & CMHC MLI
Canonical ACTION for CMHC MLI Select and Canadian multifamily — do not clone those guides on Multi-Family USA.
LendCity — Cross-border financing
Canadians buying US rental or multifamily — entity and lender-fit planning on the hub.
Frequently asked questions
What multifamily loan types does this hub cover?
How do I pick between agency and bridge?
Where do CMHC MLI programs fit?
Which Debt Execution Fits Your Asset?
Compare agency, bridge, bank, CMBS, and FHA with a specialist and get a lender-fit read.