Stabilized / long-term

Permanent Financing

Financing built around stabilized income and your ownership horizon.

Explore representative terms
Office building with landscaped grounds and parking

01 / Program fit

When it’s the right fit.

Life Companies

Long-term fixed-rate financing for stabilized properties, typically evaluated at moderate leverage.

Agency Lending

Fannie Mae and Freddie Mac financing for qualifying multifamily properties, with program-specific proceeds and interest-only options.

CMBS

Fixed-rate, nonrecourse financing across major property types, with close attention to cash management, servicing and prepayment provisions.

Banks & Credit Unions

Financing alternatives evaluated for loan structure, relationship requirements and prepayment flexibility.

02 / Market guide

Representative
Market Terms

Guidelines vary by lender type and property.

Discuss your scenario
Permanent Financing · indicative terms and structuring considerations
ParameterGuideline / consideration
Loan Amount$1M to $100M+
Loan-to-Value55–80% by lender type
Term5–30 years
DSCR1.10x–1.25x minimum
RateFixed or floating
Amortization25–30 years; interest-only available
PrepaymentNo prepayment penalty and reduced step-down prepayment options available
ClosingAs fast as 30 days; typically 45–60 days
Lending AreasNationwide

Representative terms are subject to market conditions, underwriting and lender or investor approval. Actual proceeds and structure depend on the transaction.

Start with the property

Let’s discuss the next step.

Share the property type, business plan and timing. We’ll use that context to evaluate the capital strategy.

Discuss Permanent Financing