Aging Baby Boomers Reshape the Housing Market

While the 2008 financial crisis prompted a cyclical shift in U.S. housing — impacting everything from home prices to who can qualify for a mortgage — an equally impactful demographic change was just taking shape. The unprecedented wave of Baby Boomers that began retiring would disrupt the balance of the housing market.


Secondary and Tertiary Markets Gain Ground on Primary Cities

As secondary and tertiary markets continue to gain parity with larger primary cities around the nation, they offer investors a significant potential for return on investment, even as the U.S. and global economic landscapes face notable headwinds.


Small Multifamily Investment Snapshot — Q4 2022

The small multifamily sub-sector ended 2022 on a high note with originations falling just behind 2021’s peak. As economic storm clouds continue circling, small multifamily appears fortified from any reverberations that may result.

Press Releases

Arbor Realty Trust Reacts to Ningi Research Report

UNIONDALE, N.Y., March 14, 2023  (GLOBE NEWSWIRE) – Arbor Realty Trust (NYSE: ABR), announced today that the Company is in receipt of the purported “research” report that was published earlier today by Ningi Research, a short seller of Arbor stock. The report lacks merit and contains numerous inaccuracies, misstatements, and otherwise misleading allegations. This false Read the full article…


Arbor’s Leah Fisher Joins Global Sustainability Panel at InnovateESG

Arbor Senior Vice President, Special Projects, Governance and Risk, Leah Fisher recently spoke on a thought-provoking panel discussion at InnovateESG 2023, a conference focused on environmental, social, and governance missions, hosted by NYU Stern’s Chen Institute for Global Real Estate Finance.


Single-Family Rental Investment Snapshot — Q4 2022

SFR will maintain exposure to the cyclical disruption brought on by the housing market’s softness and rising interest rates, even though its structural growth outlook remains positive and unchanged.



Private Label Program

Arbor is expanding financing options for investors in the Private Label marketplace.

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
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


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