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

FREDDIE MAC

Credit Building

Arbor is working to make the industry more equitable for everyone. This includes establishing new ways to improve economic mobility and narrow the wealth gap renters may face today. There are 44+ million renter households in the U.S., but less than 10% of on-time rents are reported to credit bureaus. Overall, renters have much lower credit scores than homeowners and some renters have no score at all (i.e., “credit invisible”). To address these disparities, Freddie Mac will incentivize borrowers to report on-time rents through credit-reporting servicers, such as Esusu Financial Inc. Esusu’s platform enables reporting on-time rent payments to the three major credit bureaus, helping build renters’ credit scores.

Benefits for Renters
  • Establish credit scores for renters who are currently “credit invisible” and gives them the ability to improve credit scores for those with existing records.
  • A stronger credit score may enable renters to access diverse financing, obtain financing with lower interest rates, avoid unbreakable debt traps and qualify for future mortgages.
  • Only on-time rental payments are reported to the credit bureaus; renters are automatically unenrolled with a late or missed payment.
Benefits for Borrowers
  • Improve property collections – rent reporting motivates residents to make on- time payments.
  • Improve marketability and reduce turnover – 2 out of 3 surveyed renters would favor a property that offers these services.
  • Improve net operating income – more stable collections and lower turnover mean a better bottom line
Rent Reporting – How Esusu Works With Borrowers
  • Comprehensive Reporting: Esusu reports on-time rent payments to all three major credit bureaus
  • Immediate Impact: Esusu’s ability to report up to 24 months of historical payments means that some renters’ credit scores will increase immediately
  • Ease of Reporting: Esusu’s software links to existing property management software; this means no added work for borrowers or property managers to enroll renters
  • Impact Visibility: Borrowers receive feedback on property-level credit building through a real-time dashboard
Enroll Now Please reach out and enroll with Esusu directly at [email protected]

Borrowers participating in Freddie Mac’s credit-building program are eligible for the following discounts. Please reach out to your Freddie Mac representative for more details, including available subsidies.

Esusu Market Rates Freddie Mac Discounted Rates
Targeted Affordable Housing (TAH) and Conventional
Onboarding Fee $3,500 $3,500
Maximum Monthly Fees $2.00/unit $1.50/unit
*If multiple properties are enrolled at once, the enrollment fee is waived for each additional property after the first.
Small Balance Loans (SBL)
Onboarding Fee $3,500 No onboarding fee
Maximum Monthly Fee $2.00/unit No monthly fee
Maximum Annual Fee N/A 5-50 units  $1,000 >50 units  $2,000
Volume Discount N/A Enroll 10+   properties 30% Enroll 20+  properties 50%

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