Multi-Family Real Estate Financing

Multi-Family Loans that Build Long-Term Value

AVANA Capital offers flexible financing for apartment communities, student housing and multi-family investments. Our customized loan programs help developers and owners acquire, refinance or reposition to stabilize income-generating properties

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Financing Solutions for Multifamily Investors

We understand the dynamics of multifamily housing markets. AVANA’s structured loans provide stable capital for acquisitions and refinancing—helping you strengthen cash flow and scale your portfolio efficiently

Reliable Capital for Multi-Family Assets

AVANA offers a full suite of financing products to help your business grow

Bridge Loan

Short-term funding to bridge the gap between transactions or support property transitions until permanent financing is secured

Explore AVANA-Oaktree Program

Conventional Term Loan

Long-term financing for stabilized assets. Ideal for acquisition, refinancing, or property enhancements

Explore Conventional Program

Competitive Multi-Family Loan Terms

Rates and structures vary depending on loan type and borrower qualifications

Loan Sizes

From $1MM to $30MM, covering a full range of commercial programs

Flexible Terms

Choose from short-term (up to 3 years)  or mid-term (up to 10 years) options

High Leverage

Finance up to 75% LTV

Market-Indexed Pricing

Tied to SOFR or CMT benchmarks with program-specific spreads

Extension Options

Certain short-term programs offer annual renewal or extension flexibility

Uses of proceeds

Acquisition & Partner Buyouts

Refinance

Financing available for acquisitions, refinancing (including cash-out), repositioning to stabilization, or property improvements

Backed by Our Partnerships with Industry Leaders

Institutional-grade construction financing through our partnerships with Oaktree Capital and a growing network of leading Credit Unions. By collaborating with industry leaders, we accelerate funding processes, offer competitive rates, and create exclusive co-investment opportunities that empower our clients and investors alike

Learn more about partnerships

A Streamlined Process from Application to Funding

We make financing simple, transparent, and fast

Step 1

Submit Application

Complete our online application form with basic information. Our team will review within 24 hours

Step 2

Review

We’ll evaluate your documents and request any additional materials needed.

Step 3

Approval & Terms

Once approved, we’ll present loan terms and structure a customized financing solution

Step 4

Closing & Funding

Final documentation and closing procedures. Funds are typically disbursed within days of closing

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Sanat Patel

Chief Lending Officer

Steven Ellsworth

EVP of Portfolio Management

Kristine Sanchez

VP, Business Development

Frequently Asked Questions

Find answers to common questions

Do you offer loans to acquire or refinance multifamily properties?

Yes — AVANA provides bridge and conventional term loans for stabilized or value-add multifamily properties, including garden-style, mid-rise, and workforce housing assets.

Can I use a bridge loan to reposition or renovate a multifamily building?

Yes – bridge financing is ideal for value-add strategies, including rehab, lease-up, or recapitalization prior to permanent take-out financing.

Do you finance mixed-income or affordable multifamily properties?

Yes — we consider a range of tenancy profiles, including market-rate, mixed-income, and LIHTC-supported properties, subject to location and performance.