FREDDIE MAC
SMALL BALANCE LOANS
FOR MULTIFAMILY PROPERTIES
& PERMANENT LOANS

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Benefits

Used of funds

Financing Options

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CONCERNED ABOUT INTEREST RATE VOLATILITY AND HEFTY DEPOSITS AND COSTS TO EARLY RATE-LOCK?

Our Agency Lending team offers multifamily loans through Fannie Mae and Freddie Mac. Agency loans are conventional fixed-rate, first mortgage loans secured by stabilized income-producing multifamily and manufactured housing communities that meet Fannie Mae and/or Freddie Mac underwriting guidelines. Funding from $1 million to $7.5 million small balance loans (or larger portfolios comprised of small balance loans).

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Agency Lending Benefits

If agency lending is the best match for your multifamily acquisition, refinance, or recapitalization, we are your single source. For no additional cost on the first day of the process (at time of executed LOI), Freddie Mac SBL rate is automatically locked and held until the closing date.

Loan Purpose:

Acquisition, refinance, recapitalization

Loan Amount:

$1 million to $7.5 million

Loan Term:

5, 7, 10 years can be extended to 20 years

Rate Type:

Fixed or Fixed-to-Floating (Hybrid)

Amortization:

30 years; partial & full-term interest only (IO)

Loans are Assumable

Permanent Loans

We provide capital though out the capital stack including a long term low rate permanent capital solution once the asset is stabilized. Whether you’re constructing, purchasing, refinancing, or renovating a commercial property, we can help develop a comprehensive set of financial solutions that best fits your needs. Funding $5 to $100M, LTC Up to 75% term 3 to 30 years.

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Financing Across Asset Classes

Upward Capital Funding offers commercial real estate loans and structured finance solutions for a variety of circumstances. We offer comprehensive financial solutions and services to help you purchase, refinance, and manage commercial properties, including:

Hospitality and Multifamily

Mixed-use developments

Offices / Industrial buildings

Retail space

PERMANENT LOANS Criteria

We offer conventional real estate loans for both stabilized investment as well as occupied real estate. In addition, we provide options for refinancing. Our programs include permanent finance for stabilized commercial properties with a minimum occupancy of 85%. Loan terms range from 5 to 15 years and amortization periods up to 30 years, with interest only options available.

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  • Loan Amount:
    $5MM and up.
  • Loan-to-Value:
    Up to 75% of appraised value.
  • Amortization:
    Interest only to 30 years
  • Recourse:
    non-recourse, subject to standard carve-outs
  • Lien Type:
    First Mortgage/ Deed of trust
  • DSCR:
    Minimum of 1.25x
  • Exit-Free:
    None
  • Prepayment:
    Step-down, Yield Maintenance or Defeasance

Get Pre-Qualified

Find out How Much Funding You Qualify for

Our agency lending experts are here to help you find the right Freddie Mac multifamily financing to fit your unique real estate needs. At Upward Capital Funding, we help property developers and commercial real estate investors with transactions of all sizes. Contact one of our finance specialists to learn how an agency loan can work for you. Fill out the form below and we will get in touch with you within 24 hours.

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