Multifamily Lending
Kennedy Mortgage works with multifamily investors across the full range of apartment property types and deal structures. As a broker, we shop each deal across agency programs, balance-sheet banks, bridge funds, and DSCR lenders to find the structure that actually fits the property, the sponsor, and the business plan. Whether you’re acquiring your first 8-unit, refinancing a stabilized garden-style asset, or executing a value-add repositioning, there is a lender for the deal, and we know how to find it.
Eight loan programs to choose from
Different rates, different terms, different fits. Each program below addresses a specific borrower scenario.
Fannie Mae Agency Loans
Long-term fixed-rate financing for stabilized multifamily properties, including small loans, near-stabilization, green rewards, and affordable housing programs.
Learn more →Freddie Mac Agency Loans
Agency execution through Freddie Mac, including Optigo small balance loans, conventional, and Targeted Affordable Housing programs.
Learn more →Bank & Credit Union Portfolio Loans
Balance-sheet financing from community banks, regional banks, and credit unions. Flexible terms for non-standard properties and sponsor situations.
Learn more →Bridge & Value-Add Financing
Short-term financing for repositioning, lease-up, renovation, or stabilization plays. Bridge to permanent execution once the business plan is complete.
Learn more →DSCR Loans
Asset-based financing qualified on property cash flow rather than personal income. Streamlined documentation for investor borrowers.
Learn more →Construction-to-Permanent
Single-close financing covering ground-up construction through stabilization and permanent loan conversion. Reduces refinance risk and execution complexity.
Learn more →CMBS / Conduit Loans
Non-recourse fixed-rate financing pooled into commercial mortgage-backed securities. Useful for stabilized properties with sponsors seeking maximum proceeds.
Learn more →Life Company / Insurance Loans
Long-term fixed-rate financing from life insurance company portfolios. Conservative leverage for institutional-quality properties with strong sponsors.
Learn more →Not sure which program fits your scenario?
Most multifamily deals have more than one viable financing path. The right answer depends on the property, the sponsor, the hold period, and the business plan. Start a conversation and we’ll walk through your specific scenario.