Current Reports

Small Multifamily Investment Trends Report Q4 2022

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

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.

GENERAL: 800.ARBOR.10

FANNIE MAE

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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