Multi-Family Real Estate Financing
AVANA Companies finances multifamily communities, from garden-style apartments to student housing and workforce housing. Our bridge and conventional loans support acquisitions, refinances, and repositioning strategies—linking experienced sponsors with private-credit capital focused on stable, income-producing housing.
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SBA 504 Loans
Built for Growth
Fixed-Rate, High LTV (Up to 90%), Long-Term CRE Loans for Owner-Occupied Properties
Backed by $5B+ in SBA lending expertise. Fast, transparent closings tailored for small businesses and brokers.
Flexible Financing for Multi-Family Properties
Loan Options for Multi-Family
Bridge Loans
Explore Bridge Program →
Conventional Term Loans
Explore Conventional Program →
Key Terms & Structures
Rates and structures vary depending on loan type and borrower qualifications
Loan Sizes
Typically $1MM to $30MM.
Terms
Short-term bridge up to 3 years; mid-term term loans up to 10 years.
Leverage
Up to 75% LTV
Pricing
Indexed to SOFR or CMT with program-specific spreads
Extensions
Select bridge programs may offer extension options subject to performance.
Acquiring stabilized or value-add multifamily assets
Refinancing existing loans, including cash-out for approved business purposes
Funding interior and exterior renovations, amenity upgrades, and unit repositionings
Bridging to agency take-out following lease-up or stabilization.
- Diversified exposure to residential tenants across units and income levels.
- Strong alignment with impact objectives such as housing availability and community stability.
- The potential for resilient cash flows through economic cycles when underwritten prudently.
For Investors: Why Multi-Family Loans Matter
Submit Application
Submit your application with pre-qualification documents. We’ll review and issue a soft quote within 1 business day
Review
We review initial documents and confirm loan structure and key terms. If the deal meets criteria, we issue a Letter of Intent with proposed terms
Approval & Terms
We complete underwriting and order third-party reports as needed. Credit team issues final approval when complete (timing can vary)
Closing & Funding
We prepare final loan documents, open escrow, and coordinate closing. Funds are released once closing requirements are met
Proven Success Stories
We’ve helped businesses across industries
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Frequently asked questions
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Insights
Our Team
About Sanat Patel
As Chief Lending Officer at AVANA Companies and Chair of the Board at AVANA Bank, Sanat Patel brings more than three decades of experience in financial services, private credit and commercial banking, with a proven track record in loan structuring, risk management, and balance sheet growth. Sanat has led strategic initiatives that connect institutional capital with entrepreneurial ambition, supporting the growth of businesses, and owners engaged in commercial real estate across the U.S. He has built and scaled lending platforms in partnership with banks and credit unions, developing tailored financial solutions that drive job creation and foster inclusive economic development.
Our Team
About Christyna Lane
As a lending participation expert in Southern California, Christyna Lane manages the direct loan placements for AVANA CUSO, a Member of the AVANA Family of Companies, with lenders like credit unions, community banks and other financial institutions while establishing and maintaining relationships for the organization. Joining the CUSO team in 2014, she works in connection with lenders nationwide to assist them in reaching their commercial lending goals and diversifying their portfolio.