Articles

Why Multifamily Finance Demands an Active Mindset

In commercial real estate, an active mindset is invaluable. At Arbor Realty Trust, it helps us anticipate market changes, identify multifamily opportunities, and act decisively when the time is right. But in multifamily finance, being active is about more than moving quickly. It is understanding where the markets are heading, maintaining close relationships, anticipating challenges, and being positioned to respond promptly when opportunities emerge.

Articles

How CRE CLOs Work in 2026 and Where Arbor Fits in the Market

Commercial Real Estate Collateralized Loan Obligation (CRE CLO) issuance reached $39.05 billion in 2026, on pace to be the highest annual volume in five years, according to the Commercial Mortgage Alert. CRE CLOs have become an established funding source for floating-rate bridge loan books, and Arbor Realty Trust continues to be a leader in this type of securitization.

Current Reports

Top Markets for Multifamily Investment Report Fall 2026

Arbor Realty Trust’s latest Top Markets for Multifamily Investment Report, a data-driven analysis of the nation’s 50 largest metropolitan areas developed in partnership with Chandan Economics, finds that multifamily performance has become less geographically uniform as strong local market fundamentals point investors to opportunities found within pockets of the country.

Research Sources

Arbor Realty Trust’s research articles and reports, developed in partnership with Chandan Economics, refer to and cite credible third-party sources, including: American Real Estate Society CoStar Fannie Mae Federal Deposit Insurance Corporation (FDIC) Federal Housing Finance Agency (FHFA) Federal Reserve Bank of Atlanta Federal Reserve Bank of New York Federal Reserve Board FINSIGHT Freddie Mac Moody’s CRE Morningstar DBRS MSCI Real Capital Analytics Nareit National Apartment Association National Association of Home Builders National Low Income Housing Coalition National Multifamily Home Council Novogradac Trepp U.S. Bureau of Economic Analysis U.S. Bureau of Labor Statistics U.S. Census Bureau U.S. Department of Housing and Urban Development (HUD) Zillow

Current Reports

Affordable Housing Trends Report 2026

Arbor Realty Trust’s Affordable Housing Trends Report, developed in partnership with Chandan Economics, explores a year marked by one of the most significant policy shifts in decades, with consequential developments in both the marketplace and the political arena. Our annual report finds that although affordability continues to present challenges, this year’s new initiatives are set to rebuild tomorrow’s pipeline.

Articles

HUD Expands FHA Financing Eligibility to Qualifying BTR Projects

The U.S. Department of Housing and Urban Development (HUD) recently announced a significant policy change that expands Federal Housing Administration (FHA) mortgage insurance eligibility to qualifying build-to-rent (BTR) communities. Effective immediately, professionally managed rental developments consisting of detached single-family homes, duplexes, and triplexes are eligible for FHA-insured financing under the same general framework as traditional multifamily properties.

Articles

Financing a Build-to-Rent Community Through Construction, Lease-Up, and Stabilization

Single-family rentals (SFR) now house 41% of the U.S. renter population, according to Rentometer Mid-Year Report 2025: National Trends in Single-Family Rental Markets. Arbor provides investors with short-term and long-term SFR financing to meet this growing demand. Whether a sponsor is developing a build-to-rent (BTR) community, holding an SFR portfolio long-term, or acquiring assets to rehab, Arbor finances build-to-rent (BTR) communities across construction, lease-up, and stabilization under one lender relationship, backed by the strength of an $802 million BTR collateralized loan obligation Arbor closed in May 2025.

General: 800.ARBOR.10

Responsible Governance


At Arbor, we are committed to responsible and ethical business practices. That is why we follow the ISS (Investor Stewardship Services) Environmental, Social, and Governance (ESG) standards. ISS is a leading provider of corporate governance and sustainability solutions. Their ESG standards are used by investors to assess and manage their ESG risks and opportunities.

By following the standards, we are demonstrating our commitment to:

  • Environmental stewardship: We are working to reduce our environmental impact and support sustainable practices.
  • Social responsibility: We are committed to creating a positive social impact, including through our employee relations, diversity and inclusion initiatives, and community support.
  • Good governance: We are committed to sound corporate governance practices, including transparency, accountability, and ethical behavior.

We believe that following the ISS ESG standards is good for our business, our customers, and our community. It allows us to attract and retain top talent, build strong relationships with our customers, and operate in a sustainable and responsible manner.

We encourage our customers to learn more about the ISS ESG standards and how they are impacting the financial industry. You can find more information on the ISS website: https://www.issgovernance.com/esg/

Responsible Parties

Arbor’s executive management team is responsible for promoting our Corporate Responsibility Principles and for ensuring corporate strategies are developed and implemented in a manner consistent with corporate responsibility and climate goals, objectives, and initiatives.

  • Our lending function and the management responsible for those functions will oversee the integration of Corporate Responsibility Principles into the loan origination processes and will be responsible for ensuring responsible investment practices across all lending platforms and product offerings.
  • Our dedicated Corporate Responsibility Taskforce will work cross-functionally with relevant internal and external stakeholders to ensure alignment with the Corporate Responsibility Policy.
  • The Corporate Governance Committee of the Board of Directors, the General Counsel, and the Office of the Corporate Secretary provide oversight over corporate responsibility- and climate-related policy creation and relevant disclosures.
  • Arbor’s Board of Directors will from time to time consider corporate responsibility and climate-related topics for discussion and appropriate prioritization.
  • The Finance and Legal teams will engage from time to time with outside legal and other advisors to remain current of all corporate responsibility applicable rules, regulations and reporting obligations.

Reporting

Arbor is committed to transparency and accountability in our corporate responsibility program and as such, publishes an annual Corporate Responsibility and Impact Report. In addition, we have a number of responsible governance policies in place including:

Risk Mitigation

Arbor is committed to continuous improvement of our risk management framework. We regularly review and update our framework to ensure that it reflects the latest best practices and that it is tailored to our specific risks. Our framework includes:

  • A clear and well-defined risk management policy that sets our approach to identifying, assessing, managing, and monitoring risks.
  • A strong risk management culture focused on risk awareness and accountability throughout our organization.
  • A robust risk management process that includes regular risk assessments, the development of mitigation strategies, and ongoing monitoring of risks.

We believe that our strong commitment to risk mitigation is a key differentiator for our company. It allows us to provide our customers with confidence that their mortgages are safe and secure.

Climate Risk

Arbor continues to assess our current processes for measuring, disclosing, and reporting sustainability and climate metrics. In preparation for compliance with state GHG emissions reporting regulations such as legislation in California, Illinois, New York, Minnesota, and Washington, Arbor conducted a Scope 1 and 2 GHG Inventory in 2024 and expanded to Scope 3 in 2025. Furthermore, we continue to evaluate potential climate-related risks and opportunities and maintain the firm’s ability to stay resilient and profitable in the future.

As climate risks are increasingly being viewed through a financial lens, Arbor’s risk management team is actively exploring how physical climate events could impact loan servicing, repayment risk, and collateral valuation. These assessments help Arbor understand where climate considerations should be embedded in underwriting criteria, property-level due diligence, and post-loan monitoring processes. The company has retained a sustainability consulting partner to help Arbor start evaluating our exposure to these risks and model future climate-related scenarios aligned with global warming pathways. This includes developing a more granular understanding of long-term physical and transitional risk exposure.

Full information can be found in our TCFD Report