Life Company Loans

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MacGregor & Knight offered the lowest rate with the shortest closing time. They really helped us achieve our financial goals.

Amanda Seyfried

Multifamily Life Company Loans
Life Company Loans for Apartments and Commercial Real Estate

With respect to apartment properties, Life Companies provide an appealing option to Fannie Mae and Freddie Mac, offering longer loan term options as well as extremely competitive rates.

Nevertheless, Life Companies are less competitive regarding leverage, particularly cashing out a borrower on a refinance. Furthermore, Life Companies are frequently among the most competitive alternative for larger balance ($10MM and up) commercial real estate loans for properties including office buildings, retail centers, single tenant retail (big box stores, pharmacies, etc.), and other commercial properties.

Life companies typically concentrate on the best class/quality assets and in this capacity are extremely selective regarding financing.

Call us today toll-free at (833) APT-LEND to consult with a multifamily Life Companies loan expert, or complete this form to arrange for a complimentary assessment.

Sample Life Company Terms For Commercial Real Estate Loans

Size:                  $2 million and up

Term:                 10 to 25 year loan terms (self amortizing options available)

Interest Rates:   From 4.15%

Amortization:     Up to 25 years

Maximum LTV:   75% (although often times capped at 65%)

Minimum DSCR: 1.25 x’s

Non-recourse with standard “bad boy” carve-outs

Interest only period available for certain properties


  • Will consider loan modifications or special requests (i.e. secondary financing) during the loan term.
  • Early rate lock (up to 90 days prior to closing).
  • Non-recourse.


  • Tend to be less aggressive on max dollar deals.
  • Tend to focus just on higher class assets.
  • Less likely to do cash-out deals.
MacGregor & Knight Multifamily Loan Specialists

Lower Rates, Responsive Experts, Quick Closings, Quality Customer Service

Multifamily Loan Options Include:

  • LTVs from 80%
  • Fixed rates from 3.75%
  • Amortizations from 30 years
  • Non-recourse
  • 45-day closings

Contact Us Today!

Call Toll Free: (833) APT-LEND