Unlocking Development Opportunities with HUD 221(d)(4) at ACOM Capital

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The HUD 221(d)(4) program is a game-changer for developers and investors looking to build or rehabilitate multifamily properties. Backed by the U.S. Department of Housing and Urban Development (HUD), this program provides long-term, fixed-rate financing, making it an attractive option for those aiming to create or improve rental housing in the United States.

What is the HUD 221(d)(4) Program?

The HUD 221(d)(4) program is designed to stimulate the development and modernization of multifamily housing by offering favorable loan terms. Here are some of its key features:

• Loan-to-Cost (LTC) Ratios: Up to 85% for market-rate projects, 87% for affordable housing, and 90% for subsidized housing.
• Non-Recourse: These loans are non-recourse, meaning the borrower's personal assets are protected in case of default.
• Fixed Interest Rates: Long-term fixed rates ensure stability and predictability for developers.
• Loan Terms: Up to 40 years for permanent financing, plus up to 3 years for construction.
• Eligible Projects: New construction or substantial rehabilitation of multifamily properties, including market-rate apartments, affordable housing, and mixed-use developments.

How ACOM Capital Can Help

At ACOM Capital, we specialize in connecting developers and investors with the resources they need to bring their multifamily projects to life. Here’s how we add value:

1. Comprehensive Guidance: Navigating HUD’s requirements can be complex. Our team offers step-by-step support, ensuring compliance and maximizing your chances of approval.
2. Customized Financing Solutions: We work closely with developers to structure loans that align with their specific project needs, from feasibility studies to closing.
3. Streamlined Process: With our expertise, we expedite the application and underwriting process, reducing time-to-funding.
4. Nationwide Reach: Whether you’re building in urban centers or underserved rural areas, we have the experience and network to make your vision a reality.

Why Choose HUD 221(d)(4)?

The HUD 221(d)(4) program stands out for its ability to offer developers:

• Affordable Financing: High leverage and low rates reduce upfront equity requirements.
• Long-Term Security: Fixed-rate terms eliminate the risk of fluctuating interest rates.
• Support for Affordable Housing: The program’s higher LTC ratios for affordable projects make it an excellent option for developers aiming to address housing shortages.

Success Stories with ACOM Capital

ACOM Capital has helped numerous developers transform their visions into thriving communities. From large-scale urban developments to smaller affordable housing projects, we leverage HUD 221(d)(4) to ensure financial and operational success.

Ready to Build Your Multifamily Dream?

If you’re a developer or investor considering a multifamily project, the HUD 221(d)(4) program might be the perfect fit. Partner with ACOM Capital to navigate the process and secure the financing you need.

Let’s turn your project into a cornerstone of your community.

Join us at ACOM Capital

Submit your Loan Scenario