Property prices dropped in the nation and in every market except for Tampa. Multifamily investment activity again spiked in Q3 2021 to a quarterly record of almost $79 . Since 1970, we have helped tens of millions of families buy, rent or keep their home. Home to More Our mission is so much more than just words on a page. Stockhouse.com is owned by Stockhouse Publishing Ltd. 2019 Stockhouse Publishing Ltd. All rights reserved. A rise in AIMI from one quarter to the next implies an increasingly favorable environment for multifamily investment opportunities, while a decline suggests that attractive investment opportunities are becoming more difficult to find compared with the prior period. The primary driver behind the quarterly decline was higher mortgage rates. Multifamily Loan For Life Non-Recourse Titusville, FL Freddie Mac $3.123M 4.35% 75% LTV 7-Year Fixed 30-Year Amortization 3-3-2-2-1-1-1-1 Prepay Non-Recourse Escondido, CA Freddie Mac $3.428M 3.48% 65% LTV 10-Year Fixed 30-Year Amortization 5-Year Interest Only Non-Recourse Tarrytown, NY Freddie Mac $1.23M 4.30% 80% LTV 5-Year Fixed Conventional loan products such as Fannie Mae, Freddie Mac, CMBS, and traditional bank loans work off of an index plus a spread. Phone: (703) 903-3933 Mortgage rates increased by 100 bps the largest quarterly increase in the entire history of AIMI going back to 2000. NOI change is negative for most fourth quarters, so this result is not atypical. See how buying discount points might lower your mortgage rate with our discount points calculator. Listen to the full episode here: https://lnkd.in/eSmk9w66, Luba Kim-Reynolds had a great conversation on the Principles of Responsible Investment webinar, discussing the importance of intentional ESG investing and how our Impact Bonds have made a difference. Today, Fannie Mae and Freddie Mac hold or guarantee 42 percent of all single-family mortgages. Mortgage rates are down following an increase of more than half a percent over five consecutive weeks, said Sam Khater, Freddie Macs Chief Economist. Additional information about AIMI is on the Freddie Mac Multifamily website, including FAQs and a video. Email: corprel@freddiemac.com. That's why career women of all backgrounds inspire her, especially women at Freddie Mac who face similar challenges. Mortgage Rates as of Learn how to work with us with our Guide Bulletins and Industry Letters. Please go to the link in the email message to retrieve your password. Freddie Mac Contractions were larger than normal this quarter; the nation experienced its largest drop since 2009, as did all but five metros. MCLEAN, Va., March 14, 2023 (GLOBE NEWSWIRE) -- The Freddie Mac (OTCQB: FMCC) Multifamily Apartment Investment Market Index (AIMI) fell by 7.6% in the fourth quarter of 2022, with the index down 25.8% year over year. Over the year, AIMI decreased in the nation and in all 25 markets, driven by the large increase in mortgage rates. Is there a problem with this press release? Net operating income (NOI) contracted in the nation and in every market except for Miami. Copyright 2023 MarketWatch, Inc. All rights reserved. Resources to help you rent, buy and own your home. Buying discount points can save you money over the life of the loan, and points are most beneficial when you plan to own the home you're purchasing for more than 10 years. Mortgage rates are down following an increase of more than half a percent over five consecutive weeks. Your IP: 198.211.115.186, Requested URL: www.multifamilyexecutive.com/business-finance/business-trends/freddie-mac-apartment-investment-market-index-continues-to-fall-in-q4_o, User-Agent: Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/103.0.5060.114 Safari/537.36 Edg/103.0.1264.62. In addition to national and local values, a sensitivity table is available that captures how the index value adjusts based on changes in certain underlying variables. MCLEAN, Mar 14, 2023 (GLOBE NEWSWIRE via COMTEX) -- Instead of surveying lenders, the weekly results are now based on thousands of applications received from lenders across the country that are submitted to Freddie Mac when a borrower applies for a mortgage. Tools and resources for buying, owning and renting a home. Learn More: Website | Consumers | Twitter | LinkedIn | Facebook | Instagram | YouTube, MEDIA CONTACT: There are steps you can take to improve your credit score and strengthen your personal finances. During times of high mortgage rate volatility, homebuyers would greatly benefit from shopping for additional rate quotes. So far, we've helped tens of thousands of renters establish and strengthen their credit scores. Freddie Macs mission is to make home possible for families across the nation. II. Find out how paying extra points might lower your mortgage rate. The nation and 18 markets experienced price growth whereas prices declined in seven markets. NOI declined in two markets (Las Vegas and Phoenix) and exceeded 10% in three markets (Miami, New York and San Diego). ET. NOI growth was generally strong with a national growth rate of 6.3%. Kate Hartig All content is provided on an as is basis, with no warranties of any kind whatsoever. AIMI is an analytical tool that combines multifamily rental income growth, property price growth and mortgage rates to provide a single Index that measures multifamily market investment conditions. Each of the past two days saw the average lender move lover by roughly 0.2%, but it should be noted that there is a wide disparity between lenders and loan . See. The Mortgage . If you're in the market to buy a home, you should understand how the mortgage rate affects your ability to afford a home and watch mortgage rates carefully. Learn more Targeted Affordable Housing Approved Targeted Affordable Housing lenders have significant expertise in the affordable space across the country. Rising rates and slowing property cash flows impacted investment conditions, despite the fact that Multifamily fundamentals that drive property cash flows are not expected to weaken significantly.. Freddie Mac Issues Monthly Volume Summary for January 2023. Don't leave money on the table it's in your best interest to compare mortgages. Financial and homeownership education resources all about you. As part of our commitment to preserve affordable housing, we're excited to announce the expansion of our Preservation Rehab offering, which provides financing for much-needed renovations in multifamily properties. View the, @ the Bell: As banks struggle, there might be a pot of gold at the end of this rainbow, The Market Heralds Weekly Cannabis Report Mar 17, 2023, @ the Bell: TSX bounces off the ropes to victory. MCLEAN, Va., March 14, 2023 (GLOBE NEWSWIRE) -- The Freddie Mac (OTCQB: FMCC) Multifamily Apartment Investment Market Index (AIMI) fell by 7.6% in the fourth quarter of 2022, with the index . March 16, 2023. The newly recast PMMS was put in place on November 17, 2022, and the weekly distribution is Thursdays at 12 p.m. Property price performance was mixed but generally positive. Net operating income (NOI) contracted in the nation and in every market except for Miami. I feel like a sucker: I bought stock for $18 after an IPO. For non-press inquiries, visit our FAQs page. Freddie Mac’s mission is to make home possible for families across the nation. "The extraordinary increase in mortgage rates drove the decline in AIMI as 2022 concluded," said Steve Guggenmos, vice president of Research & Modeling at Freddie Mac Multifamily. Our latest Floating-Rate Prepayment report presents a summary of our floating-rate loan voluntary prepayment activity for the 12 months ending December . Property prices dropped in the nation and in every market except for Tampa. Find out if Freddie Mac owns your loan using our secured lookup tool. MCLEAN, Va., March 14, 2023 (GLOBE NEWSWIRE) -- The Freddie Mac (OTCQB: FMCC) Multifamily Apartment Investment Market Index® (AIMI®) fell by 7.6% in the fourth quarter of 2022, with the index down 25.8% year over year. ET. Over the quarter, AIMI decreased in the nation and in all 25 markets. Contact your lender, your financial advisor, and/or a housing counselor for advice or information related to your specific situation. NOI declined in two markets (Las Vegas and Phoenix) and exceeded 10% in three markets (Miami, New York and San Diego). Mortgage rates continue their upward trajectory as the Federal Reserve signals a more aggressive stance on monetary policy. Property prices dropped in the nation and in every market except for Tampa. Over the year, AIMI decreased in the nation and in all 25 markets, driven by the large increase in mortgage rates. A rise in AIMI from one quarter to the next implies an increasingly favorable environment for multifamily investment opportunities, while a decline suggests that attractive investment opportunities are becoming more difficult to find compared with the prior period. Learn more here: https://lnkd.in/e6gMEWH8 #creditbuilding #multifamily, Check out The Barbara on our Equitable Housing Highlights Map a small balance property in Southwest Detroit that offers credit building and affordable units for its residents. Explore our interactive map here: https://lnkd.in/eCesHn6a Lument Greatwater Opportunity Capital LLC #multifamily, In our latest Optigo Extras podcast, we discuss what physical resiliency is, why it's important and what standards are being created. All rights reserved. Loans go up to 80% LTV. Join us for new and exciting career opportunities that will let you achieve more and be at your best. For example, a Fannie Mae multifamily loan may be 200 basis points, or 2%, over the 10-year Treasury. MCLEAN, Va., March 14, 2023 (GLOBE NEWSWIRE) -- The Freddie Mac (OTCQB: FMCC) Multifamily Apartment Investment Market Index (AIMI) fell by 7.6% in the fourth quarter of 2022, with the index down 25.8% year over year. Learn more about prioritizing different types of debts and expenses. How women can empower themselves financially and what's in their way. The extraordinary increase in mortgage rates drove the decline in AIMI as 2022 concluded, said Steve Guggenmos, vice president of Research & Modeling at Freddie Mac Multifamily. Mortgage rates increased by 100 bps the largest quarterly increase in the entire history of AIMI going back to 2000. Learn More: Website | Consumers | Twitter | LinkedIn | Facebook | Instagram | YouTube, MEDIA CONTACT:Kate Hartig(703) 903-3802Kate_Hartig@FreddieMac.com, COMTEX_426593123/2471/2023-03-14T12:05:48. (C) Copyright 2023 GlobeNewswire, Inc. All rights reserved. Non-Recourse Bridge Loan, and Private Fund Loan Interest Rates Multifamily Division; Capital Markets Division; View sites for Renters, Buyers and Owners MyHome by Freddiemac Resources to help you rent, buy and own your home. Learn how to work with us with our Guide Bulletins and Industry Letters. Sources: Federal Reserve Bank of St. Louis, Moody's, Freddie Mac During the height of the pandemic, the federal government provided many financial benefits to . In addition to national and local values, a sensitivity table is available that captures how the index value adjusts based on changes in certain underlying variables. 10% for the year and vacancy rates to decline to 4.8%. For non-press inquiries, visit our FAQs page. Financial and homeownership education resources all about you. Information from this document may be used with proper attribution. The Freddie Mac Multifamily Apartment Investment Market Index (AIMI) can help you determine how the relative value of investing in multifamily properties in select major metros, and nationally, has changed over time. For more information, view our Frequently Asked Questions. See Rates from Lenders in Your Area. The primary driver behind the quarterly decline was higher mortgage rates. Turbulence in the financial markets is putting significant downward pressure on rates, which should benefit borrowers in the short-term. Share. Benefits. We're now expanding this initiative and inviting new vendors to join us. Net operating income (NOI) contracted in the nation and in every market except for Miami. All rights reserved. Read more about our newly enhanced Primary Mortgage Market Survey. Contractions were larger than normal this quarter; the nation experienced its largest drop since 2009, as did all but five metros. | Source: NOI growth was generally strong with a national growth rate of 6.3%. You can also contact MarketWatch Customer Service via our Customer Center. To access the new Refinance Test, visit our Refinance Test and Resources page.Please contact your Freddie Mac Multifamily representative with any questions. Learn more about the many different costs associated with buying a home. You can update your choices at any time in your settings. Insights, products, and technology to help you grow your business. Phone: (703) 903-3933 We promote liquidity, stability, affordability and equity in the housing market throughout all economic cycles. NOTE: Freddie Mac made a number of enhancements to the Primary Mortgage Market Survey to improve the collection, quality and diversity of data used. We're working to change that. Kate_Hartig@FreddieMac.com, Get the latest news and updates from Stockhouse on social media, Stockhouse.com uses cookies on this site. For all other commercial investment properties like: office, retail, self-storage and industrial, Life Companies and CMBS usually have the lowest rates. Over the quarter, AIMI decreased in the nation and in all 25 markets. Freddie Mac Web Site Freddie Mac Charter Act We promote liquidity, stability, affordability and equity in the housing market throughout all economic cycles. Today it is a shareholder-owned company that operates under a congressional charter. Use our lookup tool to see if Freddie Mac financed your apartment building. Read More . Our Single-Family Division keeps mortgage capital flowing by purchasing mortgage loans from lenders so they in turn can provide financing options to qualified borrowers. You've requested a page on a website (cloudflarepreview.com) that is on the Cloudflare network. Enterprise 11th District COFI Replacement Indices Whether buying points makes sense depends on your personal situation. It is a very good option for experienced investors with large-scale buildings and higher loan amounts. By default, joining or signing in using your Facebook account will work and the email address will be shared by Facebook automatically. 2023 Benzinga.com. Keep up to date on the latest housing industry trends with insights, analysis and news delivered to your inbox. AIMI decreased nationwide and in all 25 markets on both a quarterly and annual basis, driven primarily by rising mortgage interest rates. Terms: 5-10 years (Up to 30 years if loan not purchased for securitization) Amortization: Up to 30 years, with interest-only payment options. Insights, products, and technology to help you grow your business. Ray ID: 7a9da10faeb341de The Primary Mortgage Market Survey is based on loan applications submitted to Freddie Mac by lenders across the country and shows the average 30-year fixed-rate and 15-year fixed-rate mortgage rates. Rates can be fixed from 5 to 10 years with a 30 year amortization. Although the authors attempt to provide reliable, useful information, they do not guarantee that the information or other content in this document is accurate, current or suitable for any particular purpose. Since 1970, we have helped tens of millions of families buy, rent or keep their home. Overall, consumers are spending in sectors that are not interest rate sensitive, such as travel and dining out. Size: $5 million - $100 million (though smaller and larger loan amounts will be considered) Use: Acquisition or refinance. Explore Make it Happen Lenders Originate and Underwrite Purchase and Deliver Investor Reporting Asset Management Guide and Forms More for Lenders Investors Impact Bonds Investor Presentations Alteration of this document or its content is strictly prohibited. This ranking represents originations production volume from 1/1/22-12/31/22. Additional information about AIMI is on the Freddie Mac Multifamily website, including FAQs and a video. Find out if Freddie Mac owns your loan using our secure lookup tool. Planning your estate can help you preserve your wealth by transferring your assets to your children or other beneficiaries. MCLEAN, Va., March 14, 2023 (GLOBE NEWSWIRE) -- The Freddie Mac FMCC Multifamily Apartment Investment Market Index (AIMI) fell by 7.6% in the fourth quarter of 2022, with the index down 25.8% . NOI declined in two markets (Las Vegas and Phoenix) and exceeded 10% in three markets (Miami, New York and San Diego). In another sign of the strength of the multifamily sector, KeyBank Real Estate Capital has secured an $807.5 million loan through Freddie Mac to finance 19 . Positive Phase 2 Data from RAPIDe-1 Study of PHVS416 for the On-Demand Treatment of HAE Attacks Pacific Western Bank Issues End of Week Update, Nutrition Co. Set for 2023 Revenue Growth after Tripling N.American Store Count to 11,000 Doors, Why Have Investors Trusted Gold for Decades? Find out if Freddie Mac owns your loan using our secured lookup tool. MCLEAN, Mar 14, 2023 (GLOBE NEWSWIRE via COMTEX) -- MCLEAN, Va., March 14, 2023 (GLOBE NEWSWIRE) -- The Freddie . NOI change is negative for most fourth quarters, so this result is not atypical. Mortgage rates increased by 100 bps the largest quarterly increase in the entire history of AIMI going back to 2000. All proposed modifications to the text of any Multifamily Loan Document must be made in the applicable Modifications Exhibit to the document, except (1) as specifically authorized in the Freddie Mac Multifamily Seller/Servicer Guide, (2) as provided in the Authorized Changes to Multifamily Loan Documents information, (3) for completing blanks . NOI change is negative for most fourth quarters, so this result is not atypical. Addressing the Homeownership Gap by Serving the Underserved, Renters and Homeowners with Disabilities Struggle with Financial Security and Housing Accessibility, Environmental, Social and Governance (ESG). The MarketWatch News Department was not involved in the creation of this content. Learn More: Website | Consumers | Twitter | LinkedIn | Facebook | Instagram | YouTube, MEDIA CONTACT:Kate Hartig(703) 903-3802Kate_Hartig@FreddieMac.com. Florida braces for 5,000-mile-wide stinky seaweed blob and a toxic algae bloom. "Rising rates and slowing property cash flows impacted investment conditions, despite the fact that Multifamily fundamentals that drive property cash flows are not expected to weaken significantly.". Rising rates and slowing property cash flows impacted investment conditions, despite the fact that Multifamily fundamentals that drive property cash flows are not expected to weaken significantly.” Over the quarter, AIMI decreased in the nation and in all 25 markets. No compensation or submission was involved in these rankings Our Single-Family Division keeps mortgage capital flowing by purchasing mortgage loans from lenders so they in turn can provide financing options to qualified borrowers. Learn More: Website | Consumers | Twitter | LinkedIn | Facebook | Instagram | YouTube, MEDIA CONTACT:Kate Hartig(703) 903-3802Kate_Hartig@FreddieMac.com. Mortgage rates increased by 282 bps by far the largest annual increase in the entire history of AIMI going back to 2000. For over 30 years, Fannie Mae Multifamily has been a reliable source of mortgage capital for the secondary mortgage market. Sample Freddie Mac Terms for Fixed-Rate Conventional Loans in 2023. AIMI decreased nationwide and in all 25 markets on both a quarterly and annual basis, driven primarily by rising mortgage interest rates. If you change your Facebook permissions to restrict Stockhouse from receiving your email while joining or signing in to Stockhouse then it will fail. The primary driver behind the quarterly decline was higher mortgage rates. Our lenders for Small Balance Loans work with us on funding $1 million to $7.5 million for properties with at least five apartment units. Do we own your mortgage? mortgage debt, and the . An email was sent with password retrieval instructions. When expanded it provides a list of search options that will switch the search inputs to match the current selection. Contractions were larger than normal this quarter; the nation experienced its largest drop since 2009, as did all but five metros. We promote liquidity, stability, affordability and equity in the housing market throughout all economic cycles.. Use our lookup tool to see if Freddie Mac financed your apartment building. Consistent capital through all credit cycles: HUD-insured loans can be financed through the sale of highly liquid, low interest rate Ginnie Mae Mortgage-Backed Securities. You may want to consider talking with your lender about buying discount points, which allow you to pay up front some of the interest on your home loan. Find out if Freddie Mac financed your apartment building. Learn about credit, wealth-building and financial resilience. . Mortgage rates increased by 282 bps by far the largest annual increase in the entire history of AIMI going back to 2000. Its not going to be different this time, Morgan Stanley strategist says. Our research concludes that homebuyers can potentially save $600 to $1,200 annually by taking the time to shop among multiple lenders. The nation and 22 markets experienced their sharpest annual AIMI decline in the history of the index. Now available on Spotify, Apple Music or wherever you listen to podcasts. Shell inherit $80 million. Freddie Macs mission is to make home possible for families across the nation. Multifamily mortgage originations could be down between 20% and 40% this year, according to Freddie Mac. Financial and homeownership education resources all about you. These webpages are for general informational purposes only. Financial and homeownership education resources all about you. The nation and 22 metros experienced the largest annual AIMI percentage decline since the series started in 2000. Email: [emailprotected]. NOI declined in two markets (Las Vegas and Phoenix) and exceeded 10% in three markets (Miami, New York and San Diego). Freddie Mac's mission is to make home possible for families across the nation. See Investor Survey Results, This Companys Unique Tech Gains Traction Across Multiple Segments of the Aviation Sector, NexOptic Technology Corp. Signs MOU with IntroMedic, A Global Capsule Endoscopic Imaging Corporation, The Cash-Rich Report: Mullen Group (TSX:MTL), Advancing new methods to detect rare tumors early, EnWave (TSXV:ENW) signs R&D license agreement with Danish Technological Institute, Clearmind (CSE:CMND) submits FDA application for its CMND-100 treating alcohol use disorder, POET Technologies (TSXV:PTK) (NASDAQ:POET) Delivers First-of-its-Kind Innovation at Industry Conference, From humble beginnings to a national brand. Turbulence in the financial markets is putting significant downward pressure on rates, which should benefit borrowers in the short-term. Since 1970, we have helped tens of millions of families buy, rent or keep their home. A rise in AIMI from one quarter to the next implies an increasingly favorable environment for multifamily investment opportunities, while a decline suggests that attractive investment opportunities are becoming more difficult to find compared with the prior period. Send your questions and comments about Freddie Mac's research to our economists. Freddie Mac's selling and servicing requirements. (703) 903-3802 Addressing the Homeownership Gap by Serving the Underserved, Renters and Homeowners with Disabilities Struggle with Financial Security and Housing Accessibility, How Planning Your Estate Can Help You Prepare for the Future, Environmental, Social and Governance (ESG), our newly enhanced Primary Mortgage Market Survey. "The economic challenges brought on by the COVID-19 pandemic will have a meaningful impact on the multifamily market . How could they get it so wrong? Contractions were larger than normal this quarter; the nation experienced its largest drop since 2009, as did all but five metros. This interactive map spotlights multifamily transactions that go further to fulfill our mission and make the rental housing market more equitable. Where originations ultimately fall in that broad range will depend on the economic recovery and how well the coronavirus is contained, the government-sponsored agency said. The site owner may have set restrictions that prevent you from accessing the site. Use our lookup tool to see if Freddie Mac financed your apartment building. The nation and 22 markets experienced their sharpest annual AIMI decline in the history of the index. Watch the recording if you missed it: https://lnkd.in/eAkgCJCF. https://lnkd.in/ganT_fqb, For Women's History Month, we spotlight Annette Leiva, a special servicing senior on the Asset Management & Operations team. We also use them to share usage information with our partners. In addition to national and local values, a sensitivity table is available that captures how the index value adjusts based on changes in certain underlying variables. Arbor is a leading Freddie Mac multifamily lender, offering Freddie Mac conventional loans, small balance loans and more. Freddie Mac mortgage-related securities and other mortgage-related guarantees increased at an annualized rate of 0.8% in January. A rise in AIMI from one quarter to the next implies an increasingly favorable environment for multifamily investment opportunities, while a decline suggests that attractive investment opportunities are becoming more difficult to find compared with the prior period. The nation and 18 markets experienced price growth whereas prices declined in seven markets. Learn More: Website | Consumers | Twitter | LinkedIn | Facebook | Instagram | YouTube, MEDIA CONTACT: Angela Waugaman703-714-0644Angela_Waugaman@FreddieMac.com, A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/4cd1869b-c17e-42ac-9840-deb83a372b12, For Press Inquiries Only Our Multifamily Division provides liquidity and stability and to the rental housing market, improving access to quality, affordable housing. We are taking action to protect our employees, customers, homeowners and renters. In the weeks ahead, look for more improvements to our loan products to support our mission and equitable housing finance. Every hiking cycle over the last 70 years ends in recession or a financial crisis. Property price performance was mixed but generally positive. Our research concludes that homebuyers can potentially save $600 to $1,200 annually by taking the time to shop among multiple lenders.. Mortgage payments are principal and interest only, based on a $200,000 fully amortizing mortgage. For example, today as I write this article the 10-year treasury yield is at 3.49%. During times of high mortgage rate volatility, homebuyers would greatly benefit from shopping for additional rate quotes. MCLEAN, Va., March 09, 2023 (GLOBE NEWSWIRE) -- Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey (PMMS), showing the 30-year fixed-rate mortgage (FRM) averaged 6.73 percent. Freddie Mac's mission is to make home possible for families across the nation. The nation and 22 markets experienced their sharpest annual AIMI decline in the history of the index. MCLEAN, Va., March 16, 2023 (GLOBE NEWSWIRE) -- Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey (PMMS ), showing the 30-year fixed-rate mortgage (FRM) averaged 6.60 percent. My family is dealing with a significant shock: My father secretly married his caregiver, who is 40 years his junior. The primary driver behind the quarterly decline was higher mortgage rates. Mortgage rates increased by 100 bps -- the largest quarterly increase in the entire history of AIMI going back to 2000. "Rising rates and slowing property cash flows impacted investment conditions, despite the fact that Multifamily fundamentals that drive property cash flows are not expected to weaken significantly.". Join us for new and exciting career opportunities that will let you achieve more and be at your best. These loans are stated income in nature and non-recourse. In November of 2021 we launched a credit building initiative with Esusu to standardize the reporting of rental payments to credit bureaus. The updated test is as restrictive as last release. Additionally, the PMMS will no longer publish fees/points or adjustable rates. However, some multifamily property owners get the same benefit through these organizations as homeowners, with affordable mortgage money for market-rate apartment properties and seniors housing, and some special programs for affordable housing.

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