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Indicative ranges by capital source, updated 1 October 2026. Your actual terms depend on the asset, the sponsor, and the business plan.
Benchmarks as of 1 October 2026. Nearly every programme below prices as a spread over one of these, so when they move, quoted rates move with them.
Banks may not always be the most aggressive on terms, but they can deliver for cash-flowing properties and construction loans to very strong borrowers.
Credit unions definitely deliver on both rates and aggressive terms, especially if the asset is local to their backyard.
A government-sponsored entity supplying multifamily loans through various lending programs. One of the most popular is the Small Loans program, for loans up to $5 million.
A government-sponsored entity supplying multifamily loans through multiple programs, including the Small Balance program for 5–50 unit communities up to $7.5 million.
HUD’s multifamily programs have historically been difficult to obtain due to heavy paperwork, approvals, and long time-to-funding, but they represent an extremely stable long-term option.
CMBS lending is typically a fit for loans of $3 million or greater, on stabilised office, industrial, retail, hospitality, or multifamily assets.
Lenders holding loans on their own balance sheet are typically the most flexible. Those selling to a secondary market of hedge funds follow stricter underwriting rules, with little room for exceptions.
Life company loans are coveted for their long-term, low fixed rates. These lenders prioritise very stable property loans from extremely experienced, reliable borrowers.
SBA lenders are typically banks, but can be non-banks too. Each has a different sweet spot on business type and loan size. Rates and costs are among the lowest available, though closing can take one to two months.
Indicative ranges, updated 1 October 2026. Compiled from current published market surveys, not from Modern Financial’s own rate sheet — Azeem or Paul should confirm these against live lender pricing before this page goes public. Set a refresh cadence (monthly is typical) so the date stamp above stays honest.
Indicative only. Not a commitment to lend or extend credit. All loans subject to credit approval.
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