Apartment Loan in Orlando, FL

Since April of 1994, Bison Financial Group, founded by brothers David and Jared Repka, has been assisting real estate investors nationwide in finding the best loan products for commercial real estate investment properties. If you're looking for competitive rates on an apartment loan in Orlando, FL, Bison Financial Group is here to help. Our firm has a particular focus on apartment loans in Orlando and the surrounding areas. The most attractive, non-recourse loan terms start at $1,000,000 for multifamily properties. For those seeking low-interest rates and non-recourse loans up to 80% of the property's value (with leverage up to 85% available for loans over $7 million), you've come to the right place. These specialized apartment loan products are available throughout the Orlando metro area, including Orange, Seminole, Lake, Volusia, Polk, and Osceola counties.

Multifamily Loan Underwriting:

Each loan product has its unique underwriting requirements. How the loan data is presented to lenders can significantly impact pricing and loan proceeds. Bison Financial Group offers expert loan underwriting services for apartment building loans in Orlando. This expertise ensures you achieve the best pricing and loan terms for your multifamily building or commercial real estate investment.

Free Loan Quote for Multifamily Loan in Orlando, FL:

We encourage clients to submit key property-level data for a free loan underwriting review. Our initial loan underwriting typically takes less than one business day, after which we provide several apartment loan options for you to consider. Here’s a short list of the property-level data needed to provide a loan quote:

Required Underwriting Information:

  • Last two years and Year-To-Date detailed Profit and Loss statements (a trailing 12-month P&L is preferred if available) on the apartment complex
  • Current Rent Roll
  • Brief narrative description of the property
  • If available, a few electronic photos or a copy of the real estate agent’s marketing package
  • The purpose of the loan: Acquisition, Refinance, Cash Out, or Property Repositioning (renovations)

A more detailed list of required information is available here.

Next, we’ll need to understand your investment objectives. How much do you wish to borrow on the apartment complex? Is this a long-term or short-term investment? Outline your apartment loan request for Orlando, FL, and we’ll tailor our recommendations accordingly.

We understand that financing an apartment complex is a critical component of your investment strategy. Therefore, we encourage clients to send us details about the property before finalizing the purchase and sale contract. This allows us to provide upfront loan options, helping you make an informed decision.

Fixed Rate Loan Terms for Multifamily Properties:

Loan terms are available from 3 years up to 35 years (40 years for new construction on loans over $7 million). Eligible apartment buildings include Garden Style, High Rise, Age-Restricted, Student Housing, Section 8 Tenants, and subsidized properties. The property must have at least five units. If you have several buildings with five or more apartment units that you wish to place under one loan, that’s not a problem. Ideally, the buildings should be within 3 to 5 miles of each other to secure the best loan terms.

How Long Will It Take to Close the Loan?

The closing process typically takes between 45 and 55 days for a multifamily loan in Orlando. Closing costs vary depending on the loan product. Before you proceed, we will provide a detailed estimate of the anticipated closing costs, along with the loan product, terms, and conditions. This ensures you can make an informed decision before moving forward.

Market Outlook for Orlando Metro:

The multifamily market in Orlando remains robust, with strong fundamentals persisting despite recent economic challenges. Orlando’s occupancy rate has remained high, reflecting the region’s resilience and its continued attractiveness to both residents and investors. By year-end, overall occupancy in Orlando remained solid. Investors are drawn to the area due to its diversified economy, stable rental rates, affordability, and promising yields, making Orlando an appealing market.

Orlando Multifamily Market Growth:

Multifamily development in the Orlando market continues at a healthy pace. The total inventory has steadily increased, with several projects under active construction. Apartment inventory grew notably, with many new units delivered throughout the year.

Housing Outlook in Orlando:

The expansion of Orlando’s industrial and entertainment sectors continues to drive demand for workforce apartment products throughout Orlando and the surrounding counties. New logistics and distribution hubs, along with tourism-related developments, are fueling multifamily demand in areas such as Orange, Seminole, and Osceola counties. The urban core and suburban mixed-use infill locations in Orlando are seeing strong development, with numerous projects either completed or under construction. Rising material costs, including significant increases in lumber prices, have slowed some projects that have yet to begin vertical construction, but the overall outlook remains positive.

For more information, visit Bison Financial Group's website.

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: moc.laicnanifnosibnull@deraj