Since April 1994, Bison Financial Group, founded by brothers David and Jared Repka, has been helping real estate investors nationwide secure the best loan products for commercial real estate investments. If you're looking for competitive rates on an apartment loan in Pensacola, FL, Bison Financial Group is here to assist. Our firm specializes in apartment loans in Pensacola and the surrounding areas, including Santa Rosa County.
The most attractive non-recourse loan terms start at $1,000,000 for multifamily properties. For low-interest rates and non-recourse loans up to 80% of the property's value (with leverage up to 85% available for loans exceeding $7 million), we offer specialized solutions tailored to your needs. These apartment loan products are available across Pensacola and its neighboring counties.
Multifamily Loan Underwriting
Each loan product comes with unique underwriting requirements. The way loan data is presented to lenders can significantly affect pricing and loan proceeds. Bison Financial Group provides expert loan underwriting services for apartment building loans in Pensacola. This expertise ensures you achieve the most favorable pricing and terms for your multifamily property or commercial real estate investment.
Free Loan Quote for Multifamily Loan in Pensacola, FL
We encourage clients to submit key property-level data for a free loan underwriting review. Our initial underwriting typically takes less than one business day, after which we present several apartment loan options tailored to your investment goals.
Required Underwriting Information:
- Last two years and Year-To-Date detailed Profit and Loss statements (a trailing 12-month P&L is preferred)
- Current Rent Roll
- Brief narrative description of the property
- A few electronic photos or a copy of the real estate agent’s marketing package (if available)
- The purpose of the loan: Acquisition, Refinance, Cash Out, or Property Repositioning (renovations)
For a more detailed checklist, visit: Bison Financial Group Loan Checklist.
Understanding your investment objectives is vital. How much do you wish to borrow? Is this a long-term or short-term investment? Share your apartment loan request for Pensacola, FL, and we’ll tailor our recommendations accordingly.
Fixed-Rate Loan Terms for Multifamily Properties
Loan terms are available from 3 years to 35 years (up to 40 years for new construction loans exceeding $7 million). Eligible properties include Garden Style, High Rise, Age-Restricted, Student Housing, Section 8 Tenants, and subsidized buildings. Properties must include at least five units. For multiple buildings with five or more units under one loan, the best terms are available when the properties are within 3 to 5 miles of each other.
Loan Closing Timeline
The closing process typically takes between 45 and 55 days for a multifamily loan in Pensacola. Closing costs vary depending on the loan product. We provide a detailed estimate of anticipated costs, loan terms, and conditions upfront so you can make informed decisions.
Market Outlook for Pensacola Metro
The multifamily market in Pensacola remains robust, supported by strong fundamentals and demand for rental housing. Pensacola’s occupancy rates are stable, reflecting the area's resilience and appeal to investors. With a growing population and steady economic activity, Pensacola offers attractive opportunities for real estate investors seeking stable rental income and long-term value growth.
Pensacola Multifamily Market Growth
Multifamily development in Pensacola continues to progress steadily. The area has seen an increase in new projects, with apartment inventory expanding to meet demand. Key developments are concentrated in both the urban core and suburban areas, reflecting diverse investment opportunities.
Housing Outlook in Pensacola
The ongoing expansion of Pensacola’s logistics, tourism, and defense sectors has driven demand for workforce and market-rate apartment housing. Industrial and economic growth in Santa Rosa County further fuels demand for rental units, making the Pensacola metro area a compelling market for multifamily investments.
For more information, visit Bison Financial Group’s website at www.bisonfinancial.com.
As financial advisor to private investment partnerships, Bison has learned the hard way what lenders close quickly & efficiently and what lenders are a waste of time. Bison’s experience in placing debt and equity capital for our clients and partners is a resource of tremendous value to new clients.
Since Bison is in the market every day arranging financing, we have learned how to find funds that are fairly priced for the risk from a wide variety of sources that actually close on the terms originally proposed. Bison has closed transactions across the capital spectrum: hard money lenders, private equity investors, banks, life insurance companies, hedge funds, Wall Street Conduit Lenders and Fannie Mae DUS lenders.
We understand and welcome the opportunity to arrange financing for your next project. Follow this link to learn what we need to see to give your next project a “sniff test”.
Our track record at closing transactions speaks for itself: since the firm was founded we have been involved in more than a billion dollars of transactions. For a more detailed explanation of our closed transactions please click here for a list of our recent deals.
We are creative problem solvers willing to roll up our sleeves and get transactions closed. If we can not get the deal done in house, we are happy to provide a name and number of a potential source.
Contact us today with a potential opportunity or send us an email to be added to our electronic distribution list for up to date information on compelling market opportunities.
For questions or for more information, please contact:
Jared R. Repka, Principal
Phone: 727-537-0208
Email: jared@bisonfinancial.com