How We’re Leaning into Multifamily: Filling the Housing Gap

A Housing Challenge That Can’t Be Ignored

The housing shortage is no longer a future concern. It is a present-day reality affecting cities across the country, particularly in high-growth markets where population increases continue to outpace new development. Multifamily housing has become one of the most effective ways to help close this gap, and at HALL Structured Finance, we are intentionally leaning into this space.

As lenders, we have a responsibility to deploy capital where it can make a meaningful impact while allowing us to earn an adequate return on investment. In today’s market, financing multifamily developments that expand housing supply, address affordability challenges, and bring thoughtfully planned projects to life fits that initiative. Our focus on multifamily is not reactionary; it is a strategic response to a nationwide housing shortage that continues to intensify.

Why Multifamily Plays a Critical Role

Rising construction costs, interest rate volatility, tighter capital markets, and NIMBY issues at the local and municipal governmental levels have made it increasingly difficult for developers to deliver new housing. At the same time, demand continues to grow — particularly in markets , where population growth and economic expansion remain strong.

Multifamily development offers an efficient and scalable solution to these pressures. It allows communities to add housing density in a thoughtful way while supporting workforce and affordable housing needs. For us, leaning into multifamily is about aligning capital with projects that solve real problems in markets where the need is clear.

Orem Circle: Financing Housing Where It’s Needed Most

Our recent financing of Orem Circle reflects this strategy in action. The project will deliver much-needed affordable housing in Houston, helping address a local supply gap that mirrors challenges seen nationwide.

“Orem Circle will deliver much-needed affordable housing in Houston, and we are proud to be part of that effort,” I shared at the time of closing. “50% of the units at Orem Circle will be set aside for tenants earning below the Area Median Income.  This loan aligns with our broader initiative of deploying capital into multifamily projects, addressing the nationwide shortage of housing.”

This transaction demonstrates how intentional capital deployment can support communities while creating long-term value.

A Relationship-Driven Approach to Multifamily Lending

Our partnership with Texas Group reflects the type of sponsorship and vision we look to support. Successful multifamily projects are built on strong local market knowledge, clear execution strategies, and alignment with community needs.

As traditional financing remains constrained, flexible and relationship-driven lending has become increasingly important. At HALL Structured Finance, we are not subject to regulations and operate with fully discretionary capital, allowing us to tailor our financing and loan structures in a ‘bespoke’ manner to address the nuances of each deal.

Looking Ahead: Committing Capital to Housing Solutions

Multifamily will remain a key focus for HALL Structured Finance as we look ahead. We believe expanding housing access is one of the most pressing challenges in commercial real estate today, and we are committed to deploying capital where it can make a lasting impact.

Projects like Orem Circle reflect the direction we are moving in — supporting sponsors and developments that address real housing needs while strengthening the communities they serve.

Partner With HALL Structured Finance

If you are developing a multifamily project and are seeking a capital partner who understands today’s market, we’d welcome the opportunity to connect. Learn more about our multifamily financing solutions or reach out to our team to discuss how HALL Structured Finance can support your next development.