The Breeze Apartments Winter Haven FL" alt="">

Asset Types

Multifamily

The Breeze

Winter Haven, FL

Multifamily

At HALL Structured Finance (HSF), we provide flexible and high-leverage construction loans for multifamily developments across the U.S. Our entrepreneurial approach and deep industry expertise allow us to structure financing solutions that meet the evolving needs of developers—whether you're building garden-style communities, mid-rise urban projects, or high-density mixed-use properties.

With a commitment to speed, flexibility, and certainty of execution, we help developers bring high-quality multifamily housing to market, supporting the demand for rental housing in high-growth cities and emerging markets.

Multifamily Strategy

Non-Recourse Financing

Offering developers greater flexibility and protection

Higher Leverage Solutions

Structuring loans up to $150 million loan-to-cost

Expedited Process

Quick, decisive underwriting and approvals

Nationwide Focus

Financing projects in major metros and secondary markets

Entrepreneurial Approach

Expedited decision making for quick execution

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WHAT YOU NEED TO KNOW

Frequently Asked Questions

  • Does HALL Structured Finance offer multifamily construction loans?

    Yes, — multifamily construction is one of HSF’s primary focus areas. The firm provides non-recourse, high-leverage construction loans for apartment communities across the U.S., from garden-style developments in secondary markets to high-rise towers in major metros. Recent deals range from $20 million to over $100 million. 

  • What types of multifamily projects does HALL Structured Finance finance?

    HSF has financed garden-style apartment communities, mid-rise urban residential developments, high-rise towers, mixed-use projects with residential components, and adaptive reuse projects. The firm lends in primary metros and secondary markets alike. 

  • What's the LTC for multifamily construction loans at HALL Structured Finance?

    HALL Structured Finance offers loan-to-cost ratios up to 75% for qualifying multifamily construction projects. Actual LTC depends on project location, market fundamentals, sponsorship track record, and deal structure. 

  • Does HALL Structured Finance lend in secondary markets for multifamily?

    Yes, and it’s a deliberate part of HSF’s strategy. Recent multifamily closings include projects in Eau Claire, Wisconsin; Tacoma, Washington; Jackson, Mississippi; and Winter Haven, Florida, markets where institutional capital is less available but demand fundamentals are strong. Private lenders like HSF can often find better risk-adjusted opportunities in secondary markets than in overheated primary cities. 

  • What's the difference between a construction loan and a Fannie Mae or Freddie Mac loan for apartments?

    A construction loan is short-term (typically 24–36 months) and funds the actual building of the project. Fannie Mae and Freddie Mac loans are permanent, long-term financing for stabilized multifamily properties — they won’t lend on a project that isn’t built and leased up. The typical sequence is: get a construction loan from a private lender like HALL Structured Finance, build and lease the property, then refinance into a Fannie/Freddie permanent loan once you hit stabilized occupancy. 

  • Why would a multifamily developer use a private lender instead of a bank?

    Banks are subject to regulatory constraints that limit their appetite for construction risk, they often require lower LTC ratios, full recourse, strong pre-leasing, and longer timelines. Private lenders can offer higher leverage, non-recourse terms, faster closing, and more flexibility for projects that don’t fit standard bank criteria, especially in secondary markets, adaptive reuse projects, or deals with time-sensitive closings.  

  • Can you get a non-recourse multifamily construction loan?

    Yes, non-recourse multifamily construction loans are available from private lenders. HALL Structured Finance’s entire construction loan program is structured on a non-recourse basis (with standard carve-outs). Banks rarely offer non-recourse construction financing; it’s primarily a feature of private lending. 

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HALL STRUCTURED FINANCE

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