-Monetary Policy: Fed expected to continue short-term rate cuts into 2026 to address labor weakness and sticky inflation; however, long-term rates remain high due to fiscal pressures, with rising 10-year Treasury yields a key risk for multifamily cap rates and valuations.

.🏦 Superior Liquidity & Exit StrategyUnlike some other forms of real estate, multifamily assets attract a deep and competitive pool of buyers, ranging from individual investors to large institutions.

When a borrower takes a loan with interest, they effectively become a steady source of income "Cash Cow" for the financial institution.

Private money/smaller institutional lenders (like us) are great sources if investors use them wisely.

The total monetary loss is $6 million.Umbrella Insurance Policy ($10,000 deductible/$3,000,000 coverage): The landlord goes bankrupt, losing $20 million.Result: The landlord is better off with an LLC, which shields them from personal bankruptcy.Ultimately, landlords should make a decision based on their own real estate portfolio.

If someone is NOT using their balance sheet, it is very very very rare they have "special" terms because they are selling one of the products from the institution.

On one end, you have sponsors who attract institutional capital, family offices, private equity, or high–net-worth investors where the LP's often negotiate stronger terms and maintain greater control. 

I’ve seen some banks make these kind of loans at lower rates - when I did a thorough analysis I found that these were really situations where the borrower either had a long term stellar relationship with the financing institution (so the loan was really a PERSONAL credit based loan), or the borrower had put up significant additional collateral. 

We have also been finding institutional investors that are looking for a full community to acquire.  

My team handled hundreds of properties annually, working with Fannie Mae and institutional clients, and maintaining consistent multi-million-dollar closing volumes each year.I built standardized SOPs for the entire REO lifecycle — preservation, valuation, listings, and closings — to make the process efficient and repeatable.