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Multifamily Loans in
Yuba City, CA

Overview

Yuba City is located in what is considered a very small market for 5+ unit multifamily loans. Multifamily loans in Yuba City are considered greater risk due to market dynamics. Interest rates for multifamily loans in Yuba City are higher than the national average. Yuba City apartments may be eligible for non-recourse multifamily loans up to 75% for purchases and 70% for refinances. SoftQuotes' lenders will lend on 5+ unit multifamily properties in Yuba City.

Get multifamily loan quotes for Dec 03, 2021


Multifamily Loan Rates in Yuba City, CA

SoftQuotes' Fannie Mae® and Freddie Mac® lender rates for 5+ unit multifamily loans in Yuba City 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 $6M
5 Year Fixed 3.73% - 3.97%
7 Year Fixed 3.54% - 3.78%
10 Year Fixed 3.78% - 4.02%
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®
$6M to $100M
5 Year Fixed 3.21% - 3.46%
7 Year Fixed 3.38% - 3.83%
10 Year Fixed 3.35% - 3.75%
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 Yuba City 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 Yuba City, CA

Agency lenders along with regional banks and credit unions are most likely to lend on multifamily properties in Yuba City.


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

Banks &
Credit Unions

  • Intermediate term fixed rates
  • Moderate leverage
  • Tax returns usually required
  • Recourse

Get multifamily loan quotes for Dec 03, 2021


Yuba City Market

The city of Yuba City in Sutter County has a population of 67,010. The median rent in Sutter County for a 2 bedroom is $1,206. The median Yuba City resident is 35 years old with a yearly income of $26,234. The average family has 3.43 members and a median household income of $56,816. Yuba City has a 19% higher education rate. The unemployment rate in Yuba City is 8.7%.


Population
67,010 people

County
Sutter County

Renters

46.5% of Yuba City households are renters.


Rent Burden

32.1% median household income spent on rent.

Source: U.S. Census Bureau

Rents

Bedrooms
Sutter County 1
California 2
National 2
Studio $941 $1,137 $737
1 bedroom $947 $1,291 $813
2 bedroom $1,206 $1,635 $1,015
3 bedroom $1,726 $2,254 $1,325
4 bedroom $2,088 $2,613 $1,521
1 Median rents 2 Average of counties
Source: Federal Housing Finance Agency

Yuba City Demographics


Median Individual Income
$26,234 / year

Median Household Income
$56,816 / year

Families w/ Dual Incomes
52%

Unemployment Rate
8.7%
Household Income Distribution
Yuba City, CA

Median Age
35 years

Avg Family Size
3.43 people
Age Distribution
Yuba City, CA

College Education or Above
19%

STEM College Graduates
49%
Education Distribution
Yuba City, CA
Source: U.S. Census Bureau

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