Multifamily lending has been the core of Merchants Capital’s business model from the beginning. With extensive expertise and experience, our company was built to provide the best financial services to our clients and investors. 

Merchants Capital is an approved FHA mortgagee and is an approved Multifamily Accelerated Processing (MAP) lender for HUD.  Merchants Capital (formerly PR Mortgage & Investments) continues to be a proven leader nationally in FHA multifamily lending.  Our team of professionals has built strong relationships with USDA and HUD.  We have extensive experience in placing loans in the secondary market to include the agencies, CMBS, and life insurance companies.

These relationships allow us to act quickly and efficiently, helping you achieve your financing needs.  The expertise of Merchants Capital Markets delivers competitive pricing and superior service, resulting in cost effective financing solutions for our customers.

Multifamily Expertise

  • Conventional
  • FHA
  • USDA
  • Bridge Loans
  • Senior Housing
  • Student Housing
  • Loan Servicing



HUD Programs

FHA loan products are available to market rate and affordable Multifamily and Healthcare property owners and offer highly competitive long term, fixed rate, and non-recourse terms. These fully amortizing debt products allow borrowers to operate their portfolios effectively through different market cycles.

  • 223 (f) Refinance/Acquisition
  • 221 (d) 4 New Construction/Substantial Rehab
  • 231 New Construction
  • 232 New Construction/Substantial Rehab
  • 232/223 (f) Refinance
  • 232/223 (a) 7 Refinance
  • 241 (a) Supplemental Loan
  • 242 New Construction/Substantial Rehab
  • 242/223 (f) Refinance

U.S. Department of Housing and Urban Development

Affordable Housing

Merchants Capital is a leading multifamily lender offering a variety of loan products to accommodate construction, rehabilitation, acquisition, and refinancing of affordable multifamily housing throughout the country.   Through its parent company,  Merchants Bank, Merchants Capital can offer creative conventional short term debt products that will allow your project to qualify for long term, fixed rate, and non-recourse loans through FHA and the agencies.  Merchants Capital is a Fannie Mae Affordable Lender, a Freddie Mac Targeted Affordable Housing (TAH) Seller/ Servicer, a Federal Housing Administration (FHA) MAP LEAN and LIHTC Pilot Lender, and a Ginnie Mae Issuer/ Servicer.  Merchants Capital employs experienced affordable housing professionals that can customize the best financing solution for your affordable housing financing needs.

  • FHA
  • Fannie Mae
  • Freddie Mac
  • Conventional
  • LIHTC Bridge Financing
  • RHS

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Student Housing

Merchants Capital is a leading multifamily lender offering customized apartment loans for student housing properties that address the needs of the student housing market. Multifamily loans are available through dedicated student housing loan programs for properties that are specifically built for student housing. A variety of loan products are available to accommodate construction, rehabilitation, acquisition, and refinancing of student housing properties throughout the country.

  • Construction
  • Permanent Loans
  • Bridge Loans


Loan Servicing

Merchants Capital not only operates to assist borrowers in determining and processing the best source of financing, we also service our borrowers’ loans.  Our team of professionals specialize in managing the needs of our multifamily and healthcare facility loans, providing skilled expertise to our investors and borrowers. The servicing department has multiple responsibilities including the following:

  • Annual Site Inspections
  • Annual Financial Statement Review
  • Annual Risk Reviews
  • Annual Tax & Insurance Administration
  • Replacement Reserve Escrow Administration
  • Repair Escrow Administration
  • Maintaining Appropriate Property Insurance
  • UCC Filings
  • Monthly Billings
  • Investor Reporting
  • Delinquencies and Defaults
  • Construction Loan Administration

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