ORLANDO INDUSTRIAL7.2%+0.4%
MIAMI MULTIFAMILY$3,420+1.2%
TAMPA RETAIL4.8%-0.2%
US-192 CORRIDOR$340/SF+4.1%
30Y FIXED MORTGAGE6.72%-0.08%
FED PROBABILITY (PAUSE)92%+2%
ORLANDO INDUSTRIAL7.2%+0.4%
MIAMI MULTIFAMILY$3,420+1.2%
TAMPA RETAIL4.8%-0.2%
US-192 CORRIDOR$340/SF+4.1%
30Y FIXED MORTGAGE6.72%-0.08%
FED PROBABILITY (PAUSE)92%+2%
ORLANDO INDUSTRIAL7.2%+0.4%
MIAMI MULTIFAMILY$3,420+1.2%
TAMPA RETAIL4.8%-0.2%
US-192 CORRIDOR$340/SF+4.1%
30Y FIXED MORTGAGE6.72%-0.08%
FED PROBABILITY (PAUSE)92%+2%

How does Fannie Mae and Freddie Mac financing work for Orlando multifamily?

Fannie Mae and Freddie Mac agency debt is the dominant financing vehicle for stabilized multifamily acquisitions in Orlando. Fannie’s DUS program provides non-recourse loans at 65–80% LTV with 7–30-year fixed terms and 30-year amortization, the most investor-friendly structure in commercial real estate. Freddie’s Optigo program offers similar terms. Both require minimum DSCR of 1.25× on current NOI, occupancy of 85%+ at underwriting, and 12+ months stabilized trailing income. Green financing programs provide 25 basis point rate reductions for energy efficiency. Interest rate for agency multifamily in Q1 2026 is approximately 6.0–6.75% fixed. Non-recourse agency debt is the lowest-cost financing in any CRE asset class, which is why multifamily trades at lower cap rates than industrial, retail, or office of comparable quality.