Agency Financing Options for Multifamily Real Estate in Ocala, Florida

Smarter Financing for Multifamily Real Estate

When it comes to investing in multifamily real estate in Ocala, Florida, having the right financing in place can be the difference between a solid return and a missed opportunity. Whether you're a new investor, a real estate syndicator, or a passive capital partner, understanding your financing options is essential. At Coso Capital Group, we specialize in home loans, investor loans, and commercial real estate loans, with a clear focus on helping our clients in Florida build wealth through strategic lending solutions.

In this blog, we dive into key agency loan programs such as HUD loans, Fannie Mae, and Freddie Mac, which offer incredible long-term value and stability for multifamily real estate investors.

Why Consider Agency Financing Options for Multifamily Real Estate in Ocala, Florida?

Agency financing options for multifamily real estate in Ocala, Florida backed by HUD, Fannie Mae, or Freddie Mac provide longer terms, non-recourse structures, and competitive interest rates. If you're looking to scale your real estate portfolio or refinance your current property, these programs can offer unmatched advantages.

Top Benefits:

• Long-term fixed rates (up to 35-40 years)

• Non-recourse loans (limit your personal liability)

• Cash-out refinance options

• Built-in renovation financing

HUD Loans: Built for Long-Term Stability

HUD multifamily loans, often referred to under programs like 221(d)(4) and 223(f), are powerful tools for new construction and permanent financing. These loans can provide up to 40-year amortization periods and are ideal for larger developments or major renovations.

Highlights:

• 221(d)(4): Construction-to-permanent loan with 40-year amortization

• 223(f): Permanent loan with up to 35-year fixed term

• Competitive interest rates, typically under 5% (even including mortgage insurance)

• Ability to include up to $15,000 per unit for renovations

Note: HUD loans are best suited for properties with $4M+ loan amounts due to underwriting and setup fees.

Fannie Mae & Freddie Mac Loans: Flexible and Accessible

These government-sponsored enterprises (GSEs) offer investor-friendly loan programs for stabilized multifamily properties. With Fannie and Freddie, you can access:

• Small balance loan programs starting at $1M

• Up to 80% loan-to-value (LTV)

• Fixed rates for 5, 7, or 10 years

• 30-year amortization schedules

• Non-recourse structures

Ideal for buy-and-hold investors in areas like Ocala, Florida, these loans help you lock in long-term financing and protect your cash flow.

Key Qualifications for Agency Loans

To qualify for these programs, sponsors typically need:

• Credit score above 680

• Net worth equal to or greater than the loan amount

• Liquidity of at least 10% of the loan amount

• Multifamily experience or strong team backing

Working with an experienced mortgage broker or lender who understands the Florida multifamily market can help you position your deal for approval.

How to Integrate Renovations in Your Loan

HUD's 223(f) allows borrowers to include capital improvements (up to $15,000 per door) directly into the loan. This is especially useful for value-add properties in emerging Florida markets like Ocala, where strategic updates can significantly boost rents and value.

Building Your Lending Team in Florida

As commercial real estate investing is a team sport, working with the right lender is crucial. At Coso Capital Group, we partner with investors to:

• Secure the right loan product

• Maximize LTV and cash-out opportunities

• Structure deals for long-term success

📌 Explore our Direct Property Buyers page if you're looking for investment-ready opportunities.

📌 Are you a realtor or loan officer seeking a reliable partner? Visit our Lending Partner page.

📌 Have questions? Contact us today to talk to one of our Ocala-based lending advisors.