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.



Small Loan Program

Arbor’s Small Loan product streamlines the entire loan process for multifamily acquisition and refinancing loans ranging from $750,000 to $6 million. Program benefits include reduced documentation requirements, streamlined report formats, and flexible legal/closing requirements.

Loan Amount $750,000 minimum.
Up to $6,000,000 nationwide
Loan Term 5 – 30 years.
Amortization Up to 30 years.
Minimum DSCR 1.25x
Maximum LTV Up to 80%.
Rate Structure Fixed- and adjustable rate options available, Hybrid ARM
Adjustable Rate Available. Priced off the one-month or three-month SOFR. Convertible and nonconvertible options available.
Eligible Properties Multifamily, minimum five units.
Eligible Borrower Individuals, co-tenants and non-single asset entities acceptable. Must be U.S. citizens. No Entity Key Principals are permitted.
Occupancy Requirements 90% physical occupancy.
Tax & Insurance Escrows Monthly deposits required.
Replacement Reserves Underwritten at a minimum $250 per unit per annum.
Commercial Space Maximum 35% of net rentable area and maximum 20% of effective gross income.
Recourse Non-recourse available in certain markets.
Required Reports Appraisal, Reduced Physical Needs Assessment and Environmental Screen.
Prepayment Flexible prepayment options available, including yield maintenance and declining prepayment premium.
Supplemental Loans Pricing Eligible for secondary financing after 12 months Tiered Pricing Matrix. More favorable terms available for higher DSC and lower LTV.
Rate Lock Standard 30- to 180-day rate lock period. Extended rate lock options available.
Application Deposit $10,000. Covers estimated processing and legal fees.
Processing Fee Not allowed without written approval
Origination Fee Minimum 1%. Par pricing available.
Good Faith Deposit
  • 2% of loan amount
  • 1% of loan amount for certain transactions of $3 million or less with commitment periods of 45 days or less


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