More intelligent way to finance smaller Multi-Family Buildings?

[Sergio Smiriglio]

Hello All - New to the site. I am a current investor with 5 residential only multi family buildings (17 apts and 7 garage/storage units). I am conservative when it comes to investing and have only used 30 year fixed mortgages in the past. Im looking for more creative ways to think about financing my units because even today im being quoted 4.5% on a 30 year fixed loan with treasuries where they are currently trading, just seems insane to me. Outside of increasing my duration risk (ARM's and IO type loans) are there any ways to lower my financing costs? Has any one used any instruments in the past where you bulk finance a portfolio and get a discount on the rates? Is there even such a thing for Residential loans or does that only exists in commercial mortgages and therefore paying more and essentially increasing duration risk at the same time? Any thoughts would be much appreciated.

[Sergio Smiriglio]

Originally posted by @Andrew Hogan:

Agency debt is the end goal for any serious mf operator!

Might be a dumb question but assume you mean Fannie/Freddie debt correct? can you explain to me how i can utilize this to my advantage?