Special Report: Spring 2023

Special Report: Spring 2023 The rental housing sector is well-insulated but not immune to market forces even as the economy edges into correction territory, Arbor Chairman and CEO Ivan Kaufman and Chandan Economics Founder Sam Chandan demonstrate in the findings of Arbor’s Special Report Spring 2023.   Key Findings: The sustainability of consumer financing and Read the full article…

Investment

Arbor’s Special Report Spring 2023

The rental housing sector is well-insulated but not immune to market forces even as the economy edges into correction territory, Arbor Chairman and CEO Ivan Kaufman and Chandan Economics Founder Sam Chandan demonstrate in the findings of Arbor’s Special Report Spring 2023.

Articles

Renting On Credit: New Platforms Modernize Monthly Multifamily Transactions

Until recently, full-scale optimization has skipped over the basic monthly rental payment transaction, with 78% of more than 100 million renters using paper checks. But now, two programs, backed by global leaders in financial services, are incentivizing tenants to pay the rent on credit, with perks like automatic credit reporting and points towards future purchases.

Articles

Top Markets for Renters Under 30

Renters 30 years of age and under, who now make up slightly more than one-quarter of the heads of households of rental units, are bolstering housing demand in markets known for their affordability and livability.

Press Releases

Arbor Realty Trust, Inc. Completes $315 Million Freddie Mac Q Series Securitization

UNIONDALE, NY, December 15, 2022 (GLOBE NEWSWIRE) – Arbor Realty Trust, Inc. (NYSE:ABR) (“Arbor,” “our,” or “we”) today announced the completion of an approximately $315 million loan securitization through Freddie Mac’s Q Series securitization program (the “Securitization”). Arbor’s affiliated entity Arbor Realty SR, Inc. originated the loans and was the loan seller for the Securitization. The Securitization is Arbor’s first Read the full article…

Articles

Five Benefits of Making Multifamily Investing Part of Your Portfolio

Multifamily investing involves the purchasing of properties with rentable housing units. In these types of investments, a group of investors often works together to mitigate costs, split profit shares, and reduce risk. Multifamily properties include apartment complexes, condo buildings, and townhouses, among other property types. When investing in multifamily properties is researched and undertaken prudently, it can generate steady and reliable income streams in all economic cycles.

Analysis

Arbor’s Top Articles of 2022: A Banner Year for Multifamily

After taking a pause during the peak of the COVID-19 pandemic, the U.S. multifamily market experienced a banner year in 2022. Throughout the year, Arbor continued to provide unique research and insights into our markets. Here’s a look at our top Arbor research articles from 2022, in case you missed them.

GENERAL: 800.ARBOR.10

Arbor Private Label

Arbor offers a complimentary loan program to our existing product lines to give borrowers added flexibility and financing options for their market-rate properties.

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  • Arbor Private Label Loan Program Term Sheet

    • LOAN AMOUNT

      $4 million minimum

    • LOAN TERM

      5-, 7- and 10-year options

    • AMORTIZATION

      30 years; interest-only periods can range from zero to ten years, determined by leverage, debt yield, market and overall credit quality

    • MINIMUM DSCR

      1.25x

    • MAXIMUM LTV

      75% (amortizing); 65% (full-term interest-only)

    • MINIMUM DEBT YIELD

      7%; exceptions considered on a case-by-case basis

    • INTEREST RATE

      Fixed rate over the greater of the 10-year Treasury rate or 10-year swap rate; spread varies based on risk and terms

    • ORIGINATION FEE

      Minimum of 0.25%

    • CASH MANAGEMENT

      Springing Lockbox upon EOD

    • SUBORDINATE DEBT

      Mezzanine debt available on a case-by-case basis; program can also allow for future mezzanine debt

    • BORROWER/SPONSORSHIP

      Borrower must be a newly formed, single-purpose, bankruptcy-remote Delaware LLC. Sponsor must have an established track record, appropriate net worth and liquidity commensurate with transaction; normal expectations are a minimum net worth equal to the loan amount and liquidity of no less than 10% of the loan amount

    • MINIMUM OCCUPANCY

      85%

    • COLLATERAL TYPES

      Conventional multifamily

    • TAX AND INSURANCE ESCROWS

      Monthly deposits required

    • REPLACEMENT RESERVES

      Monthly deposits required

    • RECOURSE

      Generally nonrecourse with standard carve-outs

    • PREPAYMENT

      Defeasance; open during last three months of loan term

    • EARLY RATE LOCK

      Available on a case-by-case basis

    • ASSUMPTIONS AND TRANSFERS

      One-time assumption, subject to lender approval and payment of 1% fee

    • V020722

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