Multifamily

Exploring Multifamily Loan Programs with X-Caliber

At X-Caliber, we pride ourselves on not only offering premier multifamily loans but also on our in-depth understanding of the diverse landscape of loan programs available in the market. Our team of multifamily loan experts possesses comprehensive knowledge in both traditional and specialized loan offerings, ensuring that borrowers can access the most fitting financial solutions for their unique needs.

Loan Options:

X-Caliber, offers borrowers a wide spectrum of short- and long-term choices. Our experts are well-versed in government-backed loan programs such as FHA (Federal Housing Administration). These programs typically offer longer terms and high proceeds, making them an attractive option for qualified borrowers.

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Specialized Loan Programs:

Recognizing the diverse financing needs within the multifamily real estate market, X-Caliber provides specialized loan programs tailored to specific property types. Whether you’re investing in an affordable housing project or a market-rate multifamily property, our experts help guide you through the intricacies of the programs and process. These tailored solutions consider the unique characteristics of each property type, ensuring that your financing aligns with your goals.

Guidance in Program Selection:

Choosing the right loan program is a critical step in the multifamily financing journey. Our multifamily loan experts at X-Caliber take the time to understand your investment objectives. Factors such as terms, rates, and eligibility criteria are carefully considered, ensuring that the chosen program aligns with your financial objectives.

At X-Caliber, we not only provide multifamily loans, but think of our clients as partners. We are invested in your success in the multifamily real estate market and aim to deliver a positive journey marked by informed decisions and strategic financial empowerment.

Types of Multifamily Loans

Bridge and Mezzanine Multifamily Loans

These are short-term multifamily loans, typically less than 36 months, and are positioned for an FHA permanent loan. These loans are often used for cash-out refinance, acquisitions, and value-add transactions for multifamily properties. They are available for market-rate, affordable, and rent-assisted multifamily properties and are typically floating rate and non-recourse.

FHA Multifamily Loans

These loans are insured by the Federal Housing Administration (FHA) and provided by approved, licensed lenders like X-Caliber.

FHA multifamily loans are available for market rate, affordable, and subsidized housing for new construction, substantial rehabilitation, acquisition, and refinance. These loans are non-recourse and provide some of the highest proceeds available with fixed rates and long terms.

Commercial Property Assessed Clean Energy Financing (C-PACE)

C-PACE is a structure which allows multifamily owners to borrow money for energy efficiency, renewable energy and other qualifying projects and makes repayments via an assessment on their property tax bills. This type of financing is used for new ground-up construction in nearly every jurisdiction in the country. To be eligible, the project must be located in a country or municipality where C-PACE programs have been approved in a state that has passed C-PACE enabling legislation.

Product Term Sheets

Bridge Lending Program Mezzanine Lending Program FHA Mortgage Insurance Section 223(f) FHA Mortgage Insurance Section 221(d)(4) FHA Mortgage Insurance Section 223(a)(7) C-PACE Financing Land and Pre-Development Lending Program

Our Products in Action

$20.65MM

 Multifamily

Bridge

Acquisition

New Jersey

$1.4MM

 Multifamily

FHA 223(f)

Refinance

Texas

$23MM

 Multifamily

Bridge Loan

Refinance
466 Units

Texas

Understanding Multifamily Loans

At X-Caliber, we pride ourselves on being a trusted and reliable partner in the real estate market financing market. Our commitment to excellence is reflected in several key attributes that set us apart as a preferred choice for borrowers and developers seeking multifamily financing.

Expertise in Multifamily Financing:

Our dedicated team at X-Caliber possesses strong expertise in multifamily financing. We understand the affordable and market-rate multifamily industry, which allows us to tailor financial solutions that best align with your unique needs and challenges.

Flexible Loan Programs:

X-Caliber offers an expansive range of flexible multifamily lending programs. Whether you’re investing in an affordable or market-rate property, we have a variety of lending programs and approaches to help you meet you financing goals.

Competitive Terms and Rates:

X-Caliber is committed to providing competitive terms and rates for multifamily investments. Our goal is to offer cost-effective financing solutions that empower investors to access the capital they need.

Efficient Process:

Efficiency is paramount in the real estate market, and we understand the importance of an efficient application process. At X-Caliber, our knowledgeable and user-friendly approach simplifies the borrowing experience, enabling clients to navigate through the loan approval process efficiently and confidently.

Personalized Service:

Our client-focused philosophy sets us apart. X-Caliber takes the time to understand your unique circumstances and investment goals, providing customized solutions designed for your specific needs.

Commitment to Transparency:

Transparency is at the core of our business. We ensure that you have a clear understanding of the terms, conditions, and costs associated with your multifamily loans, empowering you to make informed decisions throughout the borrowing process.

Responsive Customer Support:

Effective communication and responsive customer service are paramount to our process. Our team is available to address inquiries, provide updates, and offer guidance at every stage of the loan process. This commitment builds confidence and reliability for our valued clients.

Proven Track Record:

The strong track record of X-Caliber in the multifamily lending industry reflects our commitment to supporting the success of our clients and their multifamily projects.

Benefits of Multifamily Loans

In addition to being your trusted partner in multifamily financing, X-Caliber recognizes and emphasizes the numerous benefits associated with multifamily loans. Here’s a closer look at some key advantages that make these loans an attractive and strategic investment choice.

Investing in multifamily real estate, which typically involves purchasing and managing apartment buildings or other residential properties with multiple units, can offer several benefits for investors. Here are four potential advantages of multifamily investing:

1. Cash Flow:

Multifamily properties often generate steady rental income from multiple units, providing a consistent stream of cash flow. This cash flow can help cover operating expenses, mortgage payments, and provide a return on investment.

2. Economies of Scale:

With multiple rental units within the same property, an investor can benefit from economies of scale. Managing several units in one location can be more cost-effective in terms of maintenance, property management, and administrative expenses compared to owning several individual properties.

3. Diversification:

Multifamily investments provide diversification within the real estate sector. If one unit or tenant experiences a vacancy, the income from the other units can help offset the loss, reducing the overall impact on an investment.

4. Potential for Appreciation:

Multifamily properties in desirable locations can appreciate in value over time, leading to potential capital gains when the property is sold. Real estate markets can experience both short-term and long-term appreciation.

Your Multifamily Investment Journey With X-Caliber

Investing in multifamily requires a strategic approach, and at X-Caliber, we understand the importance of considering all of the factors that support an optimal outcome for your investment. Here are some of the fundamentals involved in assessing a property.

Property Analysis:

A thorough analysis of the multifamily property and its surroundings is important. It is important for investors to understand rental rates, occupancy rates, and the potential for property appreciation. A keen understanding of these factors sets the foundation for a well-informed investment decision.

Financial Stability:

Lenders, including X-Caliber, will review your financial standing as part of the loan evaluation process. Our team guides you through this process, helping you present the information that meets the lender’s requirements.

Loan Term and Interest Rates:

Choosing the right loan term and understanding the associated interest rates are pivotal decisions in your multifamily financing journey. X-Caliber offers both short- and long-term financing options. Our comprehensive approach ensures clients are well-informed with the various platforms to help them with their decision making.

Loan-to-Value Ratio:

The down payment requirement, represented by the loan-to-value (LTV) ratio, is a crucial factor in multifamily financing. The LTV varies, but our goal is to help provide you with the most accurate information possible with the loan type that works best for you and your project. X-Caliber works closely with you to assess your financing capabilities and determine the most feasible down payment percentage. Our goal is to empower you to make an informed decision, ensuring that the financing structure aligns with your financial capacity and investment goals.

At X-Caliber, we don’t just provide loans; we offer a holistic partnership aimed at guiding you through the multifaceted landscape of multifamily financing. Our goal is to provide you with the transparency you deserve and the certainty of execution you need.

What our customers say

The process of refinancing a multifamily development can be a challenging one. The extremely knowledgeable team at X-Caliber guided our staff through the entire process, and we closed on five properties in three months. Thanks to their expertise and interest in rural communities, we were able to realize annual debt service savings of more than $45,000, while preserving affordability for another 35 years.

Kristie BlankenshipCOO, Southwest Minnesota Housing Partnership

Our experience closing a multifamily transaction with X-Caliber was both efficient and seamless. We knew we could depend on their expertise and commitment to provide us with the capital we needed and to help us achieve the best terms for our project.

John MolinaFounding Partner, Pacific6 Enterprises

X-Caliber’s knowledge and responsiveness throughout the process was unparalleled. We appreciate the opportunity to serve our borrowers and expand our product line with such an experienced partner.

David BennettPresident, Centrant Community Capital

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Multifamily Loans

Exploring Multifamily Loan Programs with X-Caliber

Loan Options:

Specialized Loan Programs:

Guidance in Program Selection:

Types of Multifamily Loans

Bridge and Mezzanine Multifamily Loans

FHA Multifamily Loans

Commercial Property Assessed Clean Energy Financing (C-PACE)

Product Term Sheets

Our Products in Action

$20.65MM

$1.4MM

$23MM

Understanding Multifamily Loans

Expertise in Multifamily Financing:

Flexible Loan Programs:

Competitive Terms and Rates:

Efficient Process:

Personalized Service:

Commitment to Transparency:

Responsive Customer Support:

Proven Track Record:

Benefits of Multifamily Loans

1. Cash Flow:

2. Economies of Scale:

3. Diversification:

4. Potential for Appreciation:

Your Multifamily Investment Journey With X-Caliber

Property Analysis:

Financial Stability:

Loan Term and Interest Rates:

Loan-to-Value Ratio:

What our customers say

More Educational Insights on Multifamily

Let's Get Your Transaction Started

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