35-year fixed non-recourse loans on 5+ unit multifamily at Treasury+ spreads.
HUD/FHA 223(f) loans are 35-year fully amortizing, fixed-rate, NON-recourse loans for the refinance or acquisition of existing 5+ unit apartments. LTV up to 85% (87% for affordable), DSCR 1.176x. Rates typically Treasury + 150–200 bps — 100+ bps below agency debt. Assumable. Best-in-class agency financing when the property qualifies.
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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.