Useful before you ask for a quote.
Calculators that size the loan the way we do, and articles on the questions that come up on real deals.
Run the numbers first.
Apartment cash-out refinance calculator
Sizes a cash-out refinance by value and by cash flow, and estimates cash at closing.
Apartment DSCR calculator
Builds NOI the way an apartment lender does and tests the loan against the minimum coverage.
Apartment refinance or hold calculator
Compares keeping the current loan against refinancing it, including the penalty and closing costs.
Bridge to permanent calculator
Sizes the bridge, carries the interest through lease-up, and shows cash back when the permanent loan pays it off.
Read before you apply.
Brooklyn Investors Pay $15.1M for Three Asylum Hill Apartment Buildings
A trio of 1960s brick buildings in Hartford just traded at a price that would barely buy a handful of new apartments in the suburbs.
October 13, 2026·3 min read
Interest-only or amortizing: which apartment loan gets you more cash out.
Same building, same rent, same coverage requirement.
October 11, 2026·7 min read
What is the downside of an apartment DSCR loan? An honest look.
An apartment DSCR loan is based on what the building earns, with a 30 year fixed available.
October 11, 2026·8 min read
Yield maintenance on a net lease loan: why it can cost more than the rate ever saves.
Life insurance companies love net lease properties, and their loans often come with the lowest rate on the table.
October 11, 2026·7 min read
Your tax return shows a loss. Here is how a bank reads it.
Depreciation makes a profitable building look like it loses money.
September 30, 2026·6 min read
How lenders count Section 8 rent on an apartment loan.
Voucher rent arrives on the first of the month whether or not the tenant has a good week.
September 30, 2026·6 min read
Your apartment loan comes due next year. Start here.
Most five year loans written in 2022 and 2023 mature in 2027 and 2028.
September 30, 2026·7 min read
Why the appraisal on a small apartment building comes in low.
The building is full, the rents are up, and the appraisal still came in $300,000 under what you expected.
September 30, 2026·7 min read
Bank loan or 30 year loan: which one fits a 10 to 50 unit building.
The two most common ways to finance a stabilized apartment building are built for different owners.
September 30, 2026·7 min read
How a neighborhood retail center gets underwritten.
A retail center is underwritten on its leases, one at a time.
September 30, 2026·7 min read
DSCR loans on high-value short-term rentals: what actually gets underwritten.
On a $400,000 beach condo, a rental projection and a credit score get you most of the way.
September 30, 2026·8 min read
How a single-tenant net lease property gets financed.
A pharmacy on a corner lot, a quick-service restaurant on an outparcel, a distribution building with one tenant and fifteen years left.
September 30, 2026·7 min read