Student Housing Financing
Student Housing Loans for University Market Investors
Student housing loans finance the acquisition, construction, and refinancing of purpose-built student housing communities, off-campus apartment complexes, and mixed-use student housing near major universities and colleges. These assets offer strong occupancy, predictable demand, and parental guarantees that make them attractive to lenders. Capital sources include Fannie Mae, Freddie Mac, banks, CMBS, and debt funds with dedicated student housing programs. Minimum loan size is $2 million.
Apply for Student Housing Financing →Key Features
Student Housing Loans at a Glance
Loan Amount
$2M - $50M+
Term
5 - 25 Years
Rates
5.75% - 9.50%
Ltv
Up to 80% LTV
Structure
Fixed-Rate Permanent or Bridge-to-Agency
Recourse
Non-Recourse Available
Overview
Financing for Purpose-Built Student Housing Near Universities
Purpose-built student housing (PBSH) has matured into a distinct institutional asset class with dedicated lender programs and investor pools. Proximity to a tier-1 research university with 15,000 or more enrolled students is the primary underwriting criterion, followed by distance from campus, unit configuration (bed-per-bedroom pricing), and amenity package. Fannie Mae and Freddie Mac both have student housing loan programs with competitive permanent financing. CMBS conduits are active in PBSH deals near large universities. The asset class benefits from parental guarantors reducing credit risk, annual lease turnover creating mark-to-market rent opportunities, and university enrollment trends that have proven resilient even during economic downturns.
Lender Sources
- Fannie Mae / Freddie Mac
- CMBS Conduits
- Banks
- Debt Funds
- Life Insurance Companies
Ideal For
- Purpose-built student housing within 0.5 miles of major university campuses
- Off-campus apartment complexes with high student occupancy near tier-1 universities
- Student housing acquisitions requiring value-add renovation and lease-up
- Ground-up student housing construction near enrollment-growing universities
- Student housing portfolio acquisitions in multiple university markets
- Mixed-use student housing with ground-floor retail near campus districts
Student Housing Loans by City
Los Angeles, CA
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New York, NY
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Phoenix, AZ
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Dallas, TX
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Houston, TX
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Miami, FL
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Atlanta, GA
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Chicago, IL
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Denver, CO
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Seattle, WA
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San Diego, CA
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San Francisco, CA
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Austin, TX
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Nashville, TN
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Tampa, FL
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Charlotte, NC
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Minneapolis, MN
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Portland, OR
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Las Vegas, NV
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Orlando, FL
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Raleigh, NC
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Salt Lake City, UT
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San Antonio, TX
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Kansas City, MO
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Columbus, OH
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Indianapolis, IN
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San Jose, CA
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Philadelphia, PA
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Washington DC, DC
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Detroit, MI
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Boston, MA
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Baltimore, MD
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Sacramento, CA
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St. Louis, MO
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Pittsburgh, PA
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Cincinnati, OH
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Cleveland, OH
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Jacksonville, FL
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Milwaukee, WI
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Memphis, TN
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Oklahoma City, OK
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Louisville, KY
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Richmond, VA
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Virginia Beach, VA
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New Orleans, LA
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Birmingham, AL
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Hartford, CT
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Tucson, AZ
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Boise, ID
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Omaha, NE
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Tulsa, OK
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Honolulu, HI
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Albuquerque, NM
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El Paso, TX
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Riverside, CA
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Charleston, SC
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Knoxville, TN
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Fort Worth, TX
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Savannah, GA
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Fort Lauderdale, FL
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West Palm Beach, FL
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Durham, NC
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Colorado Springs, CO
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Huntsville, AL
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Provo, UT
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Boulder, CO
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Reno, NV
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Ann Arbor, MI
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Madison, WI
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Des Moines, IA
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Lexington, KY
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Providence, RI
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Buffalo, NY
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Rochester, NY
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Grand Rapids, MI
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Fresno, CA
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Worcester, MA
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Stamford, CT
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Bridgeport, CT
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New Haven, CT
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Bakersfield, CA
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Oxnard-Ventura, CA
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Allentown, PA
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Baton Rouge, LA
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Dayton, OH
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McAllen, TX
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Stockton, CA
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Columbia, SC
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Greensboro, NC
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Akron, OH
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Sarasota, FL
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Fort Myers, FL
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Little Rock, AR
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Wichita, KS
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Lakeland, FL
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Ogden, UT
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Winston-Salem, NC
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Augusta, GA
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Spokane, WA
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Syracuse, NY
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Toledo, OH
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Lancaster, PA
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Chattanooga, TN
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Scranton, PA
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Harrisburg, PA
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Asheville, NC
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Pensacola, FL
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Jackson, MS
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Shreveport, LA
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Greenville, SC
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Fayetteville, NC
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Myrtle Beach, SC
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Wilmington, NC
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Montgomery, AL
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Roanoke, VA
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Charlottesville, VA
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Fredericksburg, VA
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Manchester, NH
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Portland, ME
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Burlington, VT
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Springfield, MA
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Cape Coral, FL
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Daytona Beach, FL
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Columbia, MO
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Springfield, MO
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Sioux Falls, SD
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Fargo, ND
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Lincoln, NE
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Cedar Rapids, IA
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Peoria, IL
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Fort Wayne, IN
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South Bend, IN
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Evansville, IN
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Youngstown, OH
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Canton, OH
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Flint, MI
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Kalamazoo, MI
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Lansing, MI
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Duluth, MN
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Rochester, MN
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Green Bay, WI
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Appleton, WI
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Wausau, WI
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Eau Claire, WI
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Champaign-Urbana, IL
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Davenport, IA
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Waterloo, IA
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Sioux City, IA
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Topeka, KS
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Lubbock, TX
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Midland, TX
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Abilene, TX
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Tyler, TX
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Waco, TX
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Beaumont, TX
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Corpus Christi, TX
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Killeen, TX
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Round Rock, TX
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Brownsville, TX
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Laredo, TX
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Flagstaff, AZ
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Yuma, AZ
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Santa Barbara, CA
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San Luis Obispo, CA
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Santa Cruz, CA
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Palm Springs, CA
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Visalia, CA
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Salinas, CA
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Chico, CA
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Redding, CA
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Victorville, CA
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Temecula, CA
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Modesto, CA
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Missoula, MT
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Billings, MT
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Great Falls, MT
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Helena, MT
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Bozeman, MT
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Idaho Falls, ID
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Pocatello, ID
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Twin Falls, ID
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Casper, WY
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Bismarck, ND
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Minot, ND
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Rapid City, SD
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Macon, GA
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Columbus, GA
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Florence, AL
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Dothan, AL
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Gulfport, MS
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Hattiesburg, MS
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Fredericksburg, TX
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Lynchburg, VA
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Hagerstown, MD
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Salisbury, MD
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Trenton, NJ
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Atlantic City, NJ
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Reading, PA
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York, PA
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Erie, PA
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State College, PA
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Charleston, WV
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Huntington, WV
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Wheeling, WV
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Manchester, TN
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Clarksville, TN
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Johnson City, TN
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Bowling Green, KY
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Owensboro, KY
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Paducah, KY
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Florence, SC
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Hilton Head Island, SC
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Wilmington, DE
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Dover, DE
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Manchester, CT
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Bangor, ME
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Albany, NY
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Binghamton, NY
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Poughkeepsie, NY
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Utica, NY
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Lowell, MA
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Springfield, IL
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Decatur, IL
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Bloomington, IL
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Joliet, IL
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Elgin, IL
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Waukegan, IL
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Rockford, IL
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La Crosse, WI
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Kenosha, WI
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Racine, WI
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Yakima, WA
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Kennewick, WA
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Bellingham, WA
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Olympia, WA
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Tacoma, WA
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Eugene, OR
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Medford, OR
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Astoria, OR
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Newark, NJ
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Jersey City, NJ
Student Housing Loans
Related Property Types
Student Housing Loans are available for all major commercial property types. Explore financing by property category.
Multifamily
Financing programs
Industrial
Financing programs
Retail
Financing programs
Office
Financing programs
Mixed-Use
Financing programs
Hospitality
Financing programs
Self-Storage
Financing programs
Data Centers
Financing programs
Senior Living
Financing programs
Medical Office
Financing programs
Manufactured Housing
Financing programs
Parking
Financing programs
FAQ
Student Housing Loans FAQ
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