SS279: Debt Basics Every Apartment Investor Must Know

What if the wrong loan could quietly destroy your apartment deal—even if your underwriting looks perfect? 

Commercial real estate financing plays by a completely different set of rules than residential mortgages. In this episode of Strategy Saturday (SS 279), host Charles Carillo breaks down the critical commercial debt fundamentals every multifamily investor must master to protect their portfolio and personal wealth.

KEY CONCEPTS IN THIS EPISODE: • Commercial Lending Underwriting (Why 5+ units are different than 1-4 units) • Valuation Metrics: LTV (Loan-to-Value), DSCR (Debt Coverage Service Ratio), and LTC (Loan-to-Cost) • Risk Management: Recourse vs. Non-Recourse Debt (Protecting personal wealth) • Loan Schedules: Amortization period vs. Loan Term (Avoiding the balloon payment trap) • Prepayment Penalties: Step-Down (3-2-1 / 5-4-3-2-1), Defeasance, and Yield Maintenance • Commercial Loan Types: Agency, Bank, Bridge, and Permanent Financing

Links Referenced in Episode:

• SS134: What is Debt Service Coverage Ratio (DSCR) - https://youtu.be/W6eB7NjThiY 

🎧 Listen on Apple Podcasts: https://podcasts.apple.com/us/podcast/global-investors-investing-in-u-s-real-estate/id1478632257

📺 Watch More Episodes: https://www.youtube.com/playlist?list=PL0f-I8DCAcPjYqiw_H4yL2vtcbJIHl-Qn

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