Articles

Five Advantages of FHA Multifamily Construction Loans

In the last three years, multifamily construction has reached levels not seen since the 1980s, supported, in part, by the U.S. Department of Housing and Urban Development’s (HUD) Federal Housing Administration (FHA) loans. If you are exploring the acquisition, refinancing, rehabilitation, or new construction of conventional multifamily, affordable housing, seniors housing, or a healthcare facility, consider FHA multifamily construction loans, a stable financing option with excellent terms and many other attractive advantages.

Articles

Where are Single-Family Rental (SFR) Rents Rising the Fastest?

While the single-family rental (SFR) sector’s rent growth averages have retreated from record highs, structural tailwinds are keeping price growth positive — both nationally and in major SFR markets. In this research brief, Chandan Economics and Arbor Realty Trust analyze DBRS Morningstar data, which covers the top 20 MSAs by SFR activity, to discover the metropolitan areas where SFR rent growth is the hottest right now.

Articles

Fannie Mae Small Loans Cap Raised to $9 Million

Fannie Mae recently announced that its Small Loan cap has increased from $6 million to $9 million for all loans committed as of August 22, 2023. Multifamily borrowers and lenders have praised the change to the Fannie Mae Small Loans program, which will encourage greater investment in a rapidly growing sector where demand remains high despite market volatility.

Articles

The Top Five Emerging Metros for Retiree Relocation

As Baby Boomers reach retirement age, their evolving geographic preferences are strengthening housing markets and local economies in new locations, which feature attractive climates, relative affordability, and ample outdoor activities. With swelling populations of senior citizens, our top five emerging metropolitan areas for retiree relocation are fertile ground for multifamily real estate investment.

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Bridge Loans

Arbor offers bridge financing that provides first mortgage financing for properties located in strong markets with excellent sponsorship.

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Arbor Bridge Loans offer commercial real estate investors the opportunity to leverage short-term financing benefits without compromising long-term ROI, creating seamless financial transitions.

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  • Structured Financing Bridge Loan Program Term Sheet

    • LOAN AMOUNT

      $15–$100M

    • LOAN TERM

      Generally, 1 to 3 years; extension options available

    • AMORTIZATION

      Determined on a case-by-case basis; typically interest only payments

    • MINIMUM DSCR

      1.25 at exit with appropriate in-place DSCR; lower DSCRs considered if payment supported by prefunded interest reserves or guarantees

    • MAXIMUM LTV

      Minimum 75% of exit value

    • LTC

      Up to 80% of approved costs

    • INTEREST RATE

      Floating rate over CME SOFR index; spread varies based on risk and terms

    • ELIGIBLE PROPERTIES

      Multifamily projects located in strong markets with positive demographic, population, and employment trends

    • ELIGIBLE TRANSACTIONS

      Traditional acquisitions, acquisitions with rehab component, acquisitions with nearly completed new construction, debt buy-backs with fresh equity and properties in lease-up in strong markets

    • SPONSORSHIP

      Established track record and appropriate net worth and liquidity commensurate with transaction

    • SECURITY

      First mortgage lien on subject property

    • TAX & INSURANCE ESCROWS

      Monthly deposits required

    • REPLACEMENT RESERVES

      Monthly deposits required

    • RECOURSE

      Generally, non-recourse with standard carve-outs

    • PREPAYMENT

      Generally permitted

    • V060122

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