May 2026 Mortgage Rates

May 2026 Multifamily Mortgage Rates

All Cash Acquisitions-Refi Immediately w/35  year fixed at 87% LTV

We are seeing investors try and secure all‑cash acquisitions and then refinance with the 35-year, 80% LTV cash-out program as soon as a month from acquisition. It’s a better way to buy because the process is faster, simpler, and much more reliable. When a buyer shows up with cash, the seller doesn’t have to worry about banks, loan approvals, or suddenly changing interest rates. Deals that rely on financing can get delayed for weeks or even fall apart completely if the lender decides not to move forward. With cash, the seller knows the deal will close, which makes the offer much more attractive, even if the price is the same.Paying all cash also removes many extra steps that lenders normally require, like appraisals, strict financial ratios, and long checklists of conditions. Without those hurdles, the buyer can focus on the real value of the property or business instead of trying to satisfy a bank’s rules. This often helps cash buyers win competitive deals or negotiate better prices because they’re offering certainty instead of complications and closings as soon as a week.  Another big advantage is cost. When you use financing, you end up paying interest, lender fees, legal fees, third-party reports and other charges that can add a lot to the true cost of the purchase. Cash buyers avoid all of that. They also don’t have to worry about interest rates going up and hurting their returns.Finally, buying with cash gives the buyer more flexibility after the deal closes. They can choose to add financing later, when the asset is performing better or when market conditions improve. That timing can help them build more value and get better loan terms in the future.

Current Multifamily Mortgage Rates for May 2026

Conventional 10 yr Rates:       5.10% - 8.50%           USDA Rates :                       6.10% - 8.75%

Private Bank 10yr Rates:      5.35% - 8.75%           Ins. Rates 10yr:                     5.20% - 8.70%

CMBS 10 yr Rates :                  5.90% - 7.85%           Bridge Rates 2yr :                6.00 – 12.00%

Fannie Mae 10yr Rates :         5.40% - 6.30%           FHA Ins. Rates :                  4.75% - 6.20%

Freddie Mac Stnd. Rates :      5.70% - 9.25%           Freddie SBL Rates :             5.75% - 7.50%

Construction Rates 2yr :         5.65% - 8.80%          Mezzanine Rates :                7.75% - 12.00%

See why FHA insurance rates are lower, long term, 87% LTC and always non-recourse/fixed.

You can find out more Call John at 800-536-3371 (800-LENDER-1) ext:1011