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Multifamily Loans

Multifamily Financing, From First Acquisition to Portfolio Scale

At CapCana Capital, we believe multifamily is one of the few asset classes where the right capital strategy compounds over an entire career.

We often say that execution begins with understanding. A twelve-unit value-add purchase and a stabilized two-hundred-unit community are both called multifamily, yet almost nothing about how they are financed is the same. Before we talk about rate or leverage, we want to understand where the property sits today and where you intend to take it.

Multifamily rewards investors who plan for the whole lifecycle of an asset. The financing that makes a value-add acquisition work is rarely the financing that should carry the property once it stabilizes. Knowing that from the beginning helps you avoid refinancing into the wrong structure or leaving return on the table.

The Capital We Help Arrange

  • Agency financing through Fannie Mae, Freddie Mac, and HUD or FHA, for long-term, lower-rate debt on stabilized assets
  • Bridge financing for value-add acquisitions and repositioning
  • Construction financing for ground-up development
  • Loan sizes generally from 750,000 dollars to 40 million dollars and above

We work across the full range of the asset class, including market-rate, affordable, luxury, senior, and student housing, as well as mixed-use properties with a residential core.

How we think at CapCana Capital

We do not start with a loan product. We start with the property and the plan behind it. Is this an acquisition, a repositioning, or the next step in scaling a portfolio? The answer shapes everything that follows. When the capital fits the stage, a single building can become the foundation of a portfolio.

And that is why, at CapCana Capital, we believe execution begins with understanding.

Multifamily Loans FAQ

What counts as multifamily for financing purposes?
In commercial financing, multifamily generally refers to properties with five or more units. Smaller two-to-four unit properties are often financed more like single-family investments, which is a different conversation.
What is the difference between agency and bridge financing for multifamily?
Agency financing through Fannie Mae, Freddie Mac, and HUD or FHA is long-term, lower-rate debt for stabilized properties. Bridge financing is shorter-term capital for acquisitions and repositioning that are not yet stabilized. Many investors use one to reach the other.
What loan sizes do you work with?
Multifamily loans generally range from 750,000 dollars to 40 million dollars and above, depending on the property and the structure.
Can you finance value-add and repositioning projects?
Yes. Value-add acquisitions are a common use of bridge financing, with a planned transition into agency or other permanent financing once the property stabilizes. Planning that transition early tends to produce a smoother, less costly path.
Do you finance student, senior, or affordable housing?
Yes. We work across market-rate, affordable, luxury, senior, and student housing, as well as mixed-use properties with a residential core. Each has its own underwriting considerations, which is why we start with the specific property.