Apartment Loans

Pacific Financial Group understands the importance of finding the right type of financing to maximize your return on investment.  We are pleased to offer a large selection of multi-family loan programs from which to choose so you are assured of finding one that is best suited to meet your particular investment objectives. Drawing from our diverse pool of capital sources, your loan program options are limitless:

  • Nationwide apartment lending up to $10 million
  • Loans to foreign nationals & U.S. Investors Living Abroad
  • 5+ unit apartment loans in CA from $500,000 & up
  • 3, 5, 7-, 10-, 15- & 30-year fixed rate loans and adjustable-rate loan options
  • Loan programs for A through C quality properties
  • Non-recourse and interest-only loan program options
  • Flexible prepayment options
  • Up to 80% max LTV
  • DSCR’s starting at 1.15 (DSCR’s under break-even for 5-to-8-unit buildings)
  • Improved pricing for low leverage loans (purchases and refinances)
  • Up to 90-day rate locks for fixed rate loan programs
  • Loan programs with no prepayment penalties
  • Loans for mixed-use (less than 50% commercial), mobile home parks, senior and student housing
  • No banking relationship or deposits required for most loan programs

Click here to obtain a loan quote or contact us at (415) 390-6750 to discuss your particular loan scenario.

Apartment Loan Programs Snapshot*
Loan Type Portfolio FHLMC/FNMA HUD/FHA LTV
Adjustable Starting at 7.50% – – 50% – 75%
3-Yr Fixed Starting at 7.25% – – 50% – 75%
5-Yr Fixed Starting at 6.75% – – 50% – 85%
7-Yr Fixed Starting at 6.50% Starting at 4.85% – 50% – 85%
10-Yr Fixed Starting at 6.50% Starting at 4.85% – 50% – 85%
15-Yr Fixed – call for quote – 50% – 75%
30 Yr Fixed – call for quote – 50% – 75%
*Interest rates are subject to change on a daily basis.  Posted rates are for informational purposes only.  Please contact us to obtain property specific pricing.  Rates are current as of 6/15/24.