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Multifamily Loans in
San Francisco, CA

Overview

San Francisco is located in a strong market for 5+ unit multifamily loans. Multifamily loans in San Francisco are considered low risk due to market size and favorable regional economy. Interest rates for multifamily loans in San Francisco are some of the lowest nationally. San Francisco 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 San Francisco.

Get multifamily loan quotes for Dec 03, 2021


Multifamily Loan Rates in San Francisco, CA

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

Fannie Mae®
$1M to $6M
5 Year Fixed 3.54% - 4.24%
7 Year Fixed 3.48% - 4.18%
10 Year Fixed 3.59% - 4.29%
Freddie Mac®
$1M to $7.5M
5 Year Fixed 3.04% - 3.28%
7 Year Fixed 3.15% - 3.39%
10 Year Fixed 3.38% - 3.62%
Fannie Mae®
$6M to $100M
5 Year Fixed 3.14% - 3.84%
7 Year Fixed 3.08% - 3.78%
10 Year Fixed 3.19% - 3.89%
Freddie Mac®
$7.5M to $100M
5 Year Fixed 3.06% - 3.31%
7 Year Fixed 3.23% - 3.68%
10 Year Fixed 3.20% - 3.60%
Additional rate discounts for affordability and energy efficiency. Longer term fixed rates available. Rates updated on 12/02/2021. This is not an offer or commitment to lend. Multifamily loan rates in San Francisco 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 03, 2021


Multifamily Lenders in San Francisco, CA

All major multifamily lender types are lending in San Francisco.


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 03, 2021


San Francisco Market

The city of San Francisco in San Francisco County has a population of 881,549. The median rent in San Francisco County for a 2 bedroom is $3,700. The median San Francisco resident is 38 years old with a yearly income of $52,677. The average family has 3.11 members and a median household income of $112,449. San Francisco has a 58% higher education rate. The unemployment rate in San Francisco is 4.2%.


Population
881,549 people

County
San Francisco County

Renters

62.4% of San Francisco households are renters.


Rent Burden

24.3% median household income spent on rent.

Source: U.S. Census Bureau

Rents

Bedrooms
San Francisco County 1
California 2
National 2
Studio $2,447 $1,137 $737
1 bedroom $3,044 $1,291 $813
2 bedroom $3,700 $1,635 $1,015
3 bedroom $4,756 $2,254 $1,325
4 bedroom $5,176 $2,613 $1,521
1 Median rents 2 Average of counties
Source: Federal Housing Finance Agency

San Francisco Demographics


Median Individual Income
$52,677 / year

Median Household Income
$112,449 / year

Families w/ Dual Incomes
62%

Unemployment Rate
4.2%
Household Income Distribution
San Francisco, CA

Median Age
38 years

Avg Family Size
3.11 people
Age Distribution
San Francisco, CA

College Education or Above
58%

STEM College Graduates
52%
Education Distribution
San Francisco, CA
Source: U.S. Census Bureau

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