{"id":487,"date":"2026-06-03T13:57:26","date_gmt":"2026-06-03T13:57:26","guid":{"rendered":"https:\/\/kennedymtg.com\/?page_id=101"},"modified":"2026-06-04T13:29:50","modified_gmt":"2026-06-04T13:29:50","slug":"multifamily","status":"publish","type":"page","link":"https:\/\/kennedymtg.com\/staging\/8888\/multifamily\/","title":{"rendered":"Multifamily Lending"},"content":{"rendered":"\n\n<p class=\"wp-block-paragraph\">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&#8217;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.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Eight loan programs to choose from<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Different rates, different terms, different fits. Each program below addresses a specific borrower scenario.<\/p>\n\n\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px;margin:32px 0;\">\n\n  <a href=\"\/staging\/8888\/multifamily\/fannie-mae-agency-loans\/\" style=\"display:block;padding:28px;background:#fff;border:1px solid #E5E7EB;border-radius:6px;text-decoration:none;color:inherit;transition:transform 0.2s,box-shadow 0.2s;\" onmouseover=\"this.style.transform='translateY(-2px)';this.style.boxShadow='0 8px 24px rgba(24,36,46,0.12)';\" onmouseout=\"this.style.transform='';this.style.boxShadow='';\">\n    <h3 style=\"color:#18242E;margin:0 0 10px;font-family:'Sora',sans-serif;font-size:20px;font-weight:600;\">Fannie Mae Agency Loans<\/h3>\n    <p style=\"color:#4B5563;font-size:15px;margin:0 0 14px;line-height:1.5;\">Long-term fixed-rate financing for stabilized multifamily properties, including small loans, near-stabilization, green rewards, and affordable housing programs.<\/p>\n    <span style=\"color:#3E93CC;font-weight:600;font-size:14px;\">Learn more &rarr;<\/span>\n  <\/a>\n\n  <a href=\"\/staging\/8888\/multifamily\/freddie-mac-agency-loans\/\" style=\"display:block;padding:28px;background:#fff;border:1px solid #E5E7EB;border-radius:6px;text-decoration:none;color:inherit;transition:transform 0.2s,box-shadow 0.2s;\" onmouseover=\"this.style.transform='translateY(-2px)';this.style.boxShadow='0 8px 24px rgba(24,36,46,0.12)';\" onmouseout=\"this.style.transform='';this.style.boxShadow='';\">\n    <h3 style=\"color:#18242E;margin:0 0 10px;font-family:'Sora',sans-serif;font-size:20px;font-weight:600;\">Freddie Mac Agency Loans<\/h3>\n    <p style=\"color:#4B5563;font-size:15px;margin:0 0 14px;line-height:1.5;\">Agency execution through Freddie Mac, including Optigo small balance loans, conventional, and Targeted Affordable Housing programs.<\/p>\n    <span style=\"color:#3E93CC;font-weight:600;font-size:14px;\">Learn more &rarr;<\/span>\n  <\/a>\n\n  <a href=\"\/staging\/8888\/multifamily\/bank-portfolio-loans\/\" style=\"display:block;padding:28px;background:#fff;border:1px solid #E5E7EB;border-radius:6px;text-decoration:none;color:inherit;transition:transform 0.2s,box-shadow 0.2s;\" onmouseover=\"this.style.transform='translateY(-2px)';this.style.boxShadow='0 8px 24px rgba(24,36,46,0.12)';\" onmouseout=\"this.style.transform='';this.style.boxShadow='';\">\n    <h3 style=\"color:#18242E;margin:0 0 10px;font-family:'Sora',sans-serif;font-size:20px;font-weight:600;\">Bank &amp; Credit Union Portfolio Loans<\/h3>\n    <p style=\"color:#4B5563;font-size:15px;margin:0 0 14px;line-height:1.5;\">Balance-sheet financing from community banks, regional banks, and credit unions. Flexible terms for non-standard properties and sponsor situations.<\/p>\n    <span style=\"color:#3E93CC;font-weight:600;font-size:14px;\">Learn more &rarr;<\/span>\n  <\/a>\n\n  <a href=\"\/staging\/8888\/multifamily\/bridge-value-add\/\" style=\"display:block;padding:28px;background:#fff;border:1px solid #E5E7EB;border-radius:6px;text-decoration:none;color:inherit;transition:transform 0.2s,box-shadow 0.2s;\" onmouseover=\"this.style.transform='translateY(-2px)';this.style.boxShadow='0 8px 24px rgba(24,36,46,0.12)';\" onmouseout=\"this.style.transform='';this.style.boxShadow='';\">\n    <h3 style=\"color:#18242E;margin:0 0 10px;font-family:'Sora',sans-serif;font-size:20px;font-weight:600;\">Bridge &amp; Value-Add Financing<\/h3>\n    <p style=\"color:#4B5563;font-size:15px;margin:0 0 14px;line-height:1.5;\">Short-term financing for repositioning, lease-up, renovation, or stabilization plays. Bridge to permanent execution once the business plan is complete.<\/p>\n    <span style=\"color:#3E93CC;font-weight:600;font-size:14px;\">Learn more &rarr;<\/span>\n  <\/a>\n\n  <a href=\"\/staging\/8888\/multifamily\/dscr-loans-multifamily\/\" style=\"display:block;padding:28px;background:#fff;border:1px solid #E5E7EB;border-radius:6px;text-decoration:none;color:inherit;transition:transform 0.2s,box-shadow 0.2s;\" onmouseover=\"this.style.transform='translateY(-2px)';this.style.boxShadow='0 8px 24px rgba(24,36,46,0.12)';\" onmouseout=\"this.style.transform='';this.style.boxShadow='';\">\n    <h3 style=\"color:#18242E;margin:0 0 10px;font-family:'Sora',sans-serif;font-size:20px;font-weight:600;\">DSCR Loans<\/h3>\n    <p style=\"color:#4B5563;font-size:15px;margin:0 0 14px;line-height:1.5;\">Asset-based financing qualified on property cash flow rather than personal income. Streamlined documentation for investor borrowers.<\/p>\n    <span style=\"color:#3E93CC;font-weight:600;font-size:14px;\">Learn more &rarr;<\/span>\n  <\/a>\n\n  <a href=\"\/staging\/8888\/multifamily\/construction-to-permanent\/\" style=\"display:block;padding:28px;background:#fff;border:1px solid #E5E7EB;border-radius:6px;text-decoration:none;color:inherit;transition:transform 0.2s,box-shadow 0.2s;\" onmouseover=\"this.style.transform='translateY(-2px)';this.style.boxShadow='0 8px 24px rgba(24,36,46,0.12)';\" onmouseout=\"this.style.transform='';this.style.boxShadow='';\">\n    <h3 style=\"color:#18242E;margin:0 0 10px;font-family:'Sora',sans-serif;font-size:20px;font-weight:600;\">Construction-to-Permanent<\/h3>\n    <p style=\"color:#4B5563;font-size:15px;margin:0 0 14px;line-height:1.5;\">Single-close financing covering ground-up construction through stabilization and permanent loan conversion. Reduces refinance risk and execution complexity.<\/p>\n    <span style=\"color:#3E93CC;font-weight:600;font-size:14px;\">Learn more &rarr;<\/span>\n  <\/a>\n\n  <a href=\"\/staging\/8888\/multifamily\/cmbs-conduit-loans\/\" style=\"display:block;padding:28px;background:#fff;border:1px solid #E5E7EB;border-radius:6px;text-decoration:none;color:inherit;transition:transform 0.2s,box-shadow 0.2s;\" onmouseover=\"this.style.transform='translateY(-2px)';this.style.boxShadow='0 8px 24px rgba(24,36,46,0.12)';\" onmouseout=\"this.style.transform='';this.style.boxShadow='';\">\n    <h3 style=\"color:#18242E;margin:0 0 10px;font-family:'Sora',sans-serif;font-size:20px;font-weight:600;\">CMBS \/ Conduit Loans<\/h3>\n    <p style=\"color:#4B5563;font-size:15px;margin:0 0 14px;line-height:1.5;\">Non-recourse fixed-rate financing pooled into commercial mortgage-backed securities. Useful for stabilized properties with sponsors seeking maximum proceeds.<\/p>\n    <span style=\"color:#3E93CC;font-weight:600;font-size:14px;\">Learn more &rarr;<\/span>\n  <\/a>\n\n  <a href=\"\/staging\/8888\/multifamily\/life-company-loans\/\" style=\"display:block;padding:28px;background:#fff;border:1px solid #E5E7EB;border-radius:6px;text-decoration:none;color:inherit;transition:transform 0.2s,box-shadow 0.2s;\" onmouseover=\"this.style.transform='translateY(-2px)';this.style.boxShadow='0 8px 24px rgba(24,36,46,0.12)';\" onmouseout=\"this.style.transform='';this.style.boxShadow='';\">\n    <h3 style=\"color:#18242E;margin:0 0 10px;font-family:'Sora',sans-serif;font-size:20px;font-weight:600;\">Life Company \/ Insurance Loans<\/h3>\n    <p style=\"color:#4B5563;font-size:15px;margin:0 0 14px;line-height:1.5;\">Long-term fixed-rate financing from life insurance company portfolios. Conservative leverage for institutional-quality properties with strong sponsors.<\/p>\n    <span style=\"color:#3E93CC;font-weight:600;font-size:14px;\">Learn more &rarr;<\/span>\n  <\/a>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Not sure which program fits your scenario?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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. <a href=\"\/staging\/8888\/contact\/\">Start a conversation<\/a> and we&#8217;ll walk through your specific scenario.<\/p>\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"page-templates\/pillar.php","meta":{"nf_dc_page":"","footnotes":""},"class_list":["post-487","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Multifamily Lending - Kennedy Mortgage<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kennedymtg.com\/staging\/8888\/multifamily\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Multifamily Lending - Kennedy Mortgage\" \/>\n<meta property=\"og:description\" content=\"Kennedy Mortgage works with multifamily investors across the full range of apartment property types and deal structures. 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