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Multifamily Loans in
Lincoln, CA

Overview

Lincoln is located in a good market for 5+ unit multifamily loans. Multifamily loans in Lincoln are considered lower risk due to market size and stable regional economy. Interest rates for multifamily loans in Lincoln are competitive. Lincoln apartments may be eligible for non-recourse multifamily loans up to 80% and other favorable terms like long term fixed rates and interest only payment options. SoftQuotes' lenders will lend on 5+ unit multifamily properties in Lincoln.

Get multifamily loan quotes for Dec 06, 2021


Multifamily Loan Rates in Lincoln, CA

SoftQuotes' Fannie Mae® and Freddie Mac® lender rates for 5+ unit multifamily loans in Lincoln are:

Fannie Mae®
$1M to $6M
5 Year Fixed 3.74% - 4.44%
7 Year Fixed 3.68% - 4.38%
10 Year Fixed 3.79% - 4.49%
Freddie Mac®
$1M to $7.5M
5 Year Fixed 3.37% - 3.61%
7 Year Fixed 3.28% - 3.52%
10 Year Fixed 3.52% - 3.76%
Fannie Mae®
$6M to $100M
5 Year Fixed 3.34% - 4.04%
7 Year Fixed 3.28% - 3.98%
10 Year Fixed 3.39% - 4.09%
Freddie Mac®
$7.5M to $100M
5 Year Fixed 3.03% - 3.28%
7 Year Fixed 3.19% - 3.64%
10 Year Fixed 3.25% - 3.65%
Additional rate discounts for affordability and energy efficiency. Longer term fixed rates available. Rates updated on 12/05/2021. This is not an offer or commitment to lend. Multifamily loan rates in Lincoln may vary based on income, leverage and other factors. Fannie Mae is a registered trademark of Federal National Mortgage Association Corporation. Freddie Mac is a registered trademark of the Federal Home Loan Mortgage Corporation.

Get multifamily loan quotes for Dec 06, 2021


Multifamily Lenders in Lincoln, CA

All major multifamily lender types are lending in Lincoln.


Agency Lenders
(Fannie / Freddie / HUD)
  • Long term fixed rates
  • Maximum leverage
  • Tax returns not required
  • Non-recourse
  • Interest only payment options
  • Rate discounts for affordability

Banks &
Credit Unions

  • Intermediate term fixed rates
  • Moderate leverage
  • Tax returns usually required
  • Recourse and non-recourse

Insurance
Companies

  • Long term fixed rates
  • Lower leverage
  • Tax returns usually required
  • Recourse and non-recourse

Conduits
(CMBS Lenders)
  • Intermediate term fixed rates
  • Maximum leverage
  • Tax returns not required
  • Non-recourse
  • Interest only payment options

Get multifamily loan quotes for Dec 06, 2021


Lincoln Market

The city of Lincoln in Placer County has a population of 48,275. The median rent in Placer County for a 2 bedroom is $1,606. The median Lincoln resident is 43 years old with a yearly income of $39,614. The average family has 3.14 members and a median household income of $88,734. Lincoln has a 34% higher education rate. The unemployment rate in Lincoln is 3.5%.


Population
48,275 people

County
Placer County

Renters

20.3% of Lincoln households are renters.


Rent Burden

37.2% median household income spent on rent.

Source: U.S. Census Bureau

Rents

Bedrooms
Placer County 1
California 2
National 2
Studio $1,138 $1,137 $737
1 bedroom $1,276 $1,291 $813
2 bedroom $1,606 $1,635 $1,015
3 bedroom $2,298 $2,254 $1,325
4 bedroom $2,781 $2,613 $1,521
1 Median rents 2 Average of counties
Source: Federal Housing Finance Agency

Lincoln Demographics


Median Individual Income
$39,614 / year

Median Household Income
$88,734 / year

Families w/ Dual Incomes
44%

Unemployment Rate
3.5%
Household Income Distribution
Lincoln, CA

Median Age
43 years

Avg Family Size
3.14 people
Age Distribution
Lincoln, CA

College Education or Above
34%

STEM College Graduates
44%
Education Distribution
Lincoln, CA
Source: U.S. Census Bureau

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