Streamlined agency debt on smaller multifamily — non-recourse, 30-yr amort.
Fannie's Small Loan program (also Freddie SBL) finances 5–50 unit apartments at $1M–$9M loan size with abbreviated underwriting, LTV to 80%, DSCR 1.20–1.25x, non-recourse, 30-year amortization, and 5/7/10-year fixed periods. Ideal middle-ground between community-bank debt (recourse) and full-fat agency (higher minimums).
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Buy a $1M–$5M business with 10% down, 10-yr amortization.
10% down, 20–25 yr fixed for owner-occupied real estate.
Owner becomes the bank — negotiate rate, term, and structure.
Tap home equity to fund higher-yield investments.
Borrow against your stock portfolio without selling.
Speed capital for flips, bridges, and value-add plays.
Rental loans qualified on property cash flow, not personal DTI.
Raise from LPs to acquire larger assets you couldn't alone.