The CREFCOA Multifamily Loan for Life™

Preserve the integrity of your multifamily investment for generations with CREFCOA's Multifamily Loan for Life™.


The Multifamily Loan for Life™ program eliminates interest rate and refinance risk preserving the integrity of your investment.

A great option for borrowers with a long-term hold strategy, for retirement and estate planning purposes, a desire to pass the asset on to future generations, or as an exit strategy (loan is assumable so in a rising interest rate environment the property's financing becomes a major benefit to the new buyer).

  • Lock in your investment's return with a 30-year fixed rate
  • Eliminate interest rate risk and exposure
  • Eliminate refinance risk and cost with no balloon or call provisions
  • Non-recourse (no personal guarantees)
  • Ability to access equity through supplemental financing - borrow up to two times in the future without having to refinance or trigger a prepay
  • Owner transfers with lender approval
  • Assumable should you sell

Multifamily Loan for Life™ Program Guidelines

Got 5 minutes? Request a custom quote today!

Provide some basic information about the property and the financing you’re seeking and we will provide you with a custom quote designed around your specific needs and financing objectives.

It’s really that simple.

Private. Confidential. Secure. We never sell or provide your personal information or email address to unrelated third parties.

Eligible property types Multifamily property types: 5+ Unit Apartment Building, 5+ Unit Townhome Style Contiguous, 1-4 unit Residential Contiguous, 1-4 Unit Non-Contiguous > 5 units, 5+ unit Fractured Condominium, Mobile Home Park, Student Housing, Affordable Housing With LURA, Affordable Housing With Section 8, Affordable Housing With HAP, Seniors Housing With Care, 55+ Seniors Housing Without Care, Military Housing, Cooperative