bizloanconnect

06/13/2026

Multifamily Agency Has a Gap You Should Know About

I wanted to start June with a quick update on something I am seeing with small multifamily investors and business owners right now. My hope is that you find this useful as you navigate the current lending landscape in your area.

Agency programs are the first call for apartment financing. Great rates. Non recourse. Streamlined process. But three things keep knocking files out of agency right now.

The loan is under the agency minimum. Freddie Mac now starts at $2 million. Fannie Mae starts at $1 million. A solid 8 unit building with a $600,000 loan request has nowhere to go on the agency side.

The property is not at 90% occupancy. A recently acquired building or one coming out of renovation cannot meet that threshold no matter how strong the long term picture looks.

The market cuts the LTV. Agency LTV is not the same everywhere. In smaller counties and tertiary markets the maximum drops significantly.

Those files still need a home. Here is what we have.

Multifamily Solutions. Our alternative multifamily program was built for exactly the deals

agency turns away. A few things worth knowing:

Loan sizes start at $250,000 so the loan amount is never the reason a deal dies.

No personal tax return requirement for purchases and Lite or No Doc solutions.

Fixed rate or hybrid ARM structures available depending on what fits the deal.

Owner Occupied Commercial Properties. This one surprises a lot of people. We are not limited t

06/12/2026

06/11/2026

Many loans made in 2020–2022 no longer meet traditional bank underwriting due to higher interest rates, lower valuations, or DSCR constraints. This does not mean your property is weak.

Your loan may still be refinanceable even if your bank said no
It means the loan must be structured differently using lenders that understand transitional and refinance-gap situations.

There are lenders today specifically designed for:
• bridge-to-stabilization
• recapitalizations
• refinance shortfalls
• DSCR constrained loans
• loans banks will not extend

If your loan matures in the next 6–24 months, it is critical to explore options early, before the lender forces a decision.

Give us a call today to discuss your commercial finance needs at 512-358-1511.

Karen Schimpf
(512) 358-1511
[email protected]

06/10/2026

Multifamily Agency Has a Gap You Should Know About

I wanted to start June with a quick update on something I am seeing with small multifamily investors and business owners right now. My hope is that you find this useful as you navigate the current lending landscape in your area.

Agency programs are the first call for apartment financing. Great rates. Non recourse. Streamlined process. But three things keep knocking files out of agency right now.

The loan is under the agency minimum. Freddie Mac now starts at $2 million. Fannie Mae starts at $1 million. A solid 8 unit building with a $600,000 loan request has nowhere to go on the agency side.

The property is not at 90% occupancy. A recently acquired building or one coming out of renovation cannot meet that threshold no matter how strong the long term picture looks.

The market cuts the LTV. Agency LTV is not the same everywhere. In smaller counties and tertiary markets the maximum drops significantly.

Those files still need a home. Here is what we have.

Multifamily Solutions. Our alternative multifamily program was built for exactly the deals

agency turns away. A few things worth knowing:

Loan sizes start at $250,000 so the loan amount is never the reason a deal dies.

No personal tax return requirement for purchases and Lite or No Doc solutions.

Fixed rate or hybrid ARM structures available depending on what fits the deal.

Owner Occupied Commercial Properties. This one surprises a lot of people. We are not limited to investment properties. If your client owns the building their business operates out of, we can lend on that too. A business owner who has been turned down by a bank because their tax returns show losses from depreciation or aggressive write offs is exactly who this program was designed for. The building qualifies. The business cash flow qualifies. The tax return does not have to.

DSCR Program. This is the most unique solution in our small balance commercial lineup. Qualification is based primarily on business cash flow rather than personal creditworthiness. Good deposits, solid business performance via P&L's, but tax returns that work against them at the bank. That is the file we were built for.

No Doc Streamline Program. This is the right fit for borrowers who need a real answer more than the lowest rate. No tax returns, no bank statements, no operating statements required. Real flexibility with a process your clients can count on.

Have a small balance commercial deal at $250,000 and up that is not fitting anywhere? Reach out and let me know the details. I will tell you honestly whether we can move it forward and help you take the next step.

Have a blessed week!

Give us a call today to discuss your commercial finance needs or get started by filling out this form!

Karen Schimpf
(512) 358-1511
[email protected]
www.ApplyCommercialLoans.com

06/08/2026

Multifamily Agency Has a Gap You Should Know About

I wanted to start June with a quick update on something I am seeing with small multifamily investors and business owners right now. My hope is that you find this useful as you navigate the current lending landscape in your area.

Agency programs are the first call for apartment financing. Great rates. Non recourse. Streamlined process. But three things keep knocking files out of agency right now.

The loan is under the agency minimum. Freddie Mac now starts at $2 million. Fannie Mae starts at $1 million. A solid 8 unit building with a $600,000 loan request has nowhere to go on the agency side.

The property is not at 90% occupancy. A recently acquired building or one coming out of renovation cannot meet that threshold no matter how strong the long term picture looks.

The market cuts the LTV. Agency LTV is not the same everywhere. In smaller counties and tertiary markets the maximum drops significantly.

Those files still need a home. Here is what we have.

Multifamily Solutions. Our alternative multifamily program was built for exactly the deals

agency turns away. A few things worth knowing:

Loan sizes start at $250,000 so the loan amount is never the reason a deal dies.

No personal tax return requirement for purchases and Lite or No Doc solutions.

Fixed rate or hybrid ARM structures available depending on what fits the deal.

Owner Occupied Commercial Properties. This one surprises a lot of people. We are not limited to investment properties. If your client owns the building their business operates out of, we can lend on that too. A business owner who has been turned down by a bank because their tax returns show losses from depreciation or aggressive write offs is exactly who this program was designed for. The building qualifies. The business cash flow qualifies. The tax return does not have to.

DSCR Program. This is the most unique solution in our small balance commercial lineup. Qualification is based primarily on business cash flow rather than personal creditworthiness. Good deposits, solid business performance via P&L's, but tax returns that work against them at the bank. That is the file we were built for.

No Doc Streamline Program. This is the right fit for borrowers who need a real answer more than the lowest rate. No tax returns, no bank statements, no operating statements required. Real flexibility with a process your clients can count on.

Have a small balance commercial deal at $250,000 and up that is not fitting anywhere? Reach out and let me know the details. I will tell you honestly whether we can move it forward and help you take the next step.

Have a blessed week!

Karen Schimpf
(512) 358-1511
[email protected]
www.ApplyCommercialLoans.com