How Do CRE Loan Assumptions Work? Assuming Low-Rate Multifamily and Commercial Debt
Assumable low-rate multifamily and CRE debt is 2026’s quiet edge. How loan assumptions work, what they cost, and how to bridge the equity gap.

Assumable low-rate multifamily and CRE debt is 2026’s quiet edge. How loan assumptions work, what they cost, and how to bridge the equity gap.

Multifamily loans finance apartment properties with five or more units, and they work differently from a single-family mortgage: the lender underwrites the building’s income, not just the borrower. The property’s net operating income (NOI) and debt service coverage ratio (DSCR) decide how much it can borrow, which is why a well-run apartment building can support […]