There is traditional financing, which is using a bank to secure a mortgage. This works well in apartment investing when you have a down payment and proof that the commercial real estate you are investing in is fluid. Private money is also consideration for apartment building investing. Many investors find this to be their best choice for real estate financing.

Another method is to get together with partners for apartment building investing. With partners, it's necessary to consider the partnership carefully, as it can be risky, depending on the partners you choose. Some partners can be categorized as risks rather than strong investing support. There are good partnerships where both equally put effort into the apartment investing. Another positive arrangement is when one partner puts up the main part of the investment while the other contributes by running the everyday affairs such as property management and repairs.

Seller financing is another type of partnership. Investors may choose this type because they need to liquidate the property and enter a financing partnership with a qualified apartment investing person. The seller may be ready to retire, or they may be heading for foreclosure or already in foreclosure.

There are also non-traditional lenders, or hard money lenders, available for real estate financing. This choice should be investigated so that an educated decision can be made before beginning commercial real estate financing.

Substitution of collateral, where the mortgagee allows you to transfer your mortgage from one property to another, is a transfer of collateral can also be a way to obtain real estate financing for apartment investing. The use of equities is another way to begin apartment building investing. This method requires accessing the equity you have in a residential property that you own.

Deferred maintenance credits or rebates will bring down the amount needed for closing by having the seller give you monetary credits for repairs or required maintenance. This works well for apartment building investors that have found a viable property that needs repairs.

One commercial real estate option is subdivision. This is purchasing multiple units that can be later subdivided into residential homes such as the duplex, triplex, or quadplex. This type of apartment building investing can be an opportunity for tremendous profit in the future.

All of these options are ways to make real estate financing a reality. Some will work for certain investors in commercial real estate or in apartment investing, while other investors will require different options. No matter which option chosen for real estate, each option should be researched in advance so that the proper method for each investor can be chosen.