Multifamily Loans (5+ Units)

At Aspen Capital Solutions, multifamily lending is a core strength. We finance properties with five units or more — from stabilized Class A luxury communities to value-add repositioning projects. Whether you’re an institutional investor acquiring a 300-unit high-rise, or a private owner repositioning a 12-unit building, our team delivers customized loan solutions that align with your investment strategy.

We work with agency lenders, CMBS platforms, banks, life companies, and private capital sources to ensure your project has access to the most competitive terms in the market. Our nationwide reach, combined with deep underwriting expertise, allows us to structure financing that maximizes returns while managing risk.

Property Types We Finance

• Garden-Style Apartments – Low-rise suburban communities with strong occupancy and rent growth.
• Mid- & High-Rise Multifamily – Urban and secondary market properties with dense tenant bases.
• Student Housing – On- and off-campus properties in stable enrollment markets.
• Senior Living & Age-Restricted Communities – Independent living, assisted living, and active adult housing.
• Affordable & Workforce Housing – Projects leveraging tax credits or other subsidy programs.

Financing Programs

• Agency Loans – Long-term, non-recourse financing through Fannie Mae, Freddie Mac, and FHA/HUD.
• CMBS Loans – Non-recourse, fixed-rate options for larger loan sizes.
• Bank & Portfolio Loans – Flexible terms for smaller or transitional properties.
• Bridge Loans – Short-term capital for renovations, lease-up, or recapitalization.
• Construction Loans – Ground-up development or major renovations with tailored draws.

Our Approach

Multifamily assets are one of the most financeable property types — but every deal is unique. Our process focuses on:

• Market Analysis – Understanding rent growth, absorption, and competitive supply.
• Expense & Revenue Modeling – Projecting NOI under realistic operating assumptions.
• Capital Source Matching – Pairing your asset with lenders whose risk profile matches your plan.
• Leverage Optimization – Balancing maximum proceeds with optimal loan terms.

Whether you’re focused on cash flow, appreciation, or both, we structure your financing to meet your short-term goals and long-term hold strategy.

Why Choose Aspen Capital Solutions for Multifamily Financing?

• Proven track record across small, mid-sized, and institutional multifamily projects.
• Relationships with agency, CMBS, bank, and private capital lenders nationwide.
• Ability to secure high leverage on strong assets and competitive rates for all property classes.
• Direct, transparent process from underwriting to closing.

When you work with Aspen Capital Solutions, you gain a strategic capital partner who understands how to underwrite, position, and close multifamily transactions in any market cycle.