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šŸ’ø Financing Workforce Housing: A New Path for Multifamily Investors šŸ“ˆ

šŸ¦ How to Finance Workforce Housing with DSCR, SBA, and Bridge Loans šŸ’¼

May 08, 2025•1 min read

šŸ¦ How to Finance Workforce Housing with DSCR, SBA, and Bridge Loans šŸ’¼

šŸ’ø Financing Workforce Housing: A New Path for Multifamily Investors šŸ“ˆ


šŸ˜ļø Why Workforce Housing Is the Next Big Multifamily Trend – And How to Finance It

At Medallion Mortgage, we’ve been tracking a powerful trend: the surge in demand for workforce housing. Developers are pivoting. Investors are calling. And lenders—ourselves included—are getting creative with deal structures that support this movement.

Workforce housing refers to multifamily properties targeting middle-income earners—nurses, first responders, retail managers—who don’t qualify for subsidized housing but can’t afford luxury rentals. The sweet spot? Rents that are 80–120% of the Area Median Income (AMI).

šŸ’° Financing Options for Workforce Housing Projects

Whether you’re purchasing, refinancing, or repositioning a multifamily property for workforce tenants, here are the top tools we recommend:

  • DSCR Loans: Ideal for stabilized properties with cash flow.

  • Bridge Loans: Use for value-add or repositioning strategies.

  • SBA 7(a) or 504: Perfect for owner-occupied models.

  • Construction-to-Perm: For new ground-up workforce housing projects.

  • Agency Financing: Fannie/Freddie love affordable & workforce housing deals.

🧠 Why Lenders Like These Deals

Workforce housing projects tend to have strong occupancy, lower turnover, and long-term tenants. Combine that with demand from cities encouraging mixed-income developments, and you’ve got a product lenders can get behind.

If you’re planning a workforce housing project, or refinancing to reposition a building for workforce tenants—let’s build a financing strategy that maximizes leverage and minimizes risk.


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Ā© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory


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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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Copyright ©2021 | Mortgage Viking Team

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This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright Ā© 2021 | Medallion Funds


Corporate | NMLS ID NMLS # 1825831

Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014

Corporate NMLS NMLS # 1825831 | Company Website: https://medallionfunds.com/bill-rapp/

Copyright ©2021 | Mortgage Viking Team Licensed to Do Business | NMLS # 228246

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply

Corporate | NMLS ID NMLS # 1825831

Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014 https://medallionfunds.com/bill-rapp/