{"id":969,"date":"2023-09-21T13:38:33","date_gmt":"2023-09-21T13:38:33","guid":{"rendered":"https:\/\/wp.webprojectmockup.com\/wp\/jlm-real-estate\/?p=969"},"modified":"2023-09-25T13:49:14","modified_gmt":"2023-09-25T13:49:14","slug":"loans-for-apartment-buildings-an-investors-guide","status":"publish","type":"post","link":"https:\/\/wp.webprojectmockup.com\/wp\/jlm-real-estate\/2023\/09\/21\/loans-for-apartment-buildings-an-investors-guide\/","title":{"rendered":"Loans for Apartment Buildings: An Investor\u2019s Guide"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on” da_disable_devices=”off|off|off”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.22.1″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]Loan facilities are the bedrock of real estate investing. In a highly dynamic property market, loans for apartment buildings have become a vital tool for investors aiming to acquire or improve multifamily properties. Such loans offer the financial leverage needed to kickstart or expand investment portfolios, granting investors the opportunity to make a significant impact in the property market.<\/p>\n

Generally, the property market is a viable avenue to potentially create and grow wealth. But, it can also be an unforgiving market for investors who are not fully equipped with the right expertise and knowledge for investment.\u00a0JLM Real Estate Inc. Resource page<\/a>\u00a0provides investors with market insights, data, and the latest information about commercial real estate. If you are an investor looking to get credible information about a property before investing, you can alternatively consult with their team of\u00a0real estate professionals.<\/a><\/p>\n

Now, let\u2019s explore the various types of loans, the crucial role of down payments, and how factors like net operating income influence loan eligibility. This guide aims to provide investors with a comprehensive understanding of apartment loans which in turn will enable them to make more informed decision-making, and ultimately have the potential to achieve greater success in creating and building wealth through multifamily property investing.<\/p>\n

Key Factors Investors Should Consider Before Applying for an Apartment Building Loan<\/b><\/h2>\n

\"Key<\/p>\n

When considering loans for apartment buildings, several key factors should influence your decision-making process. These variables not only determine your eligibility for specific apartment loans but also shape the terms of the loan and your repayment strategy.<\/p>\n

The Down Payment Amount<\/b><\/h3>\n

Firstly, consider the size of the down payment required for the apartment building loan. Most lenders require a significant down payment, typically around 20-30% of the purchase price of the apartment building. This initial investment ensures you have a stake in the multifamily property, reducing the lender\u2019s risk.<\/p>\n

Your Credit Score<\/b><\/h3>\n

Secondly, your credit score plays a significant role. It often influences the interest rates and terms offered by lenders. A higher credit score generally equates to more favorable terms, emphasizing the importance of maintaining good credit health before applying for an apartment loan.<\/p>\n

The Net Operating Income (NOI) of the Investment Property<\/b><\/h3>\n

Net operating income (NOI), which is the total income the property generates minus operating expenses, is another crucial factor. Lenders use the NOI to calculate the Debt Service Coverage Ratio (DSCR), a metric that indicates the property\u2019s ability to cover loan payments. A higher NOI can lead to better loan terms, as it reassures lenders of your capacity to repay the loan.<\/p>\n

The Occupancy Rate of the Apartment Building<\/b><\/h3>\n

Finally, consider the occupancy rates of the apartment buildings you\u2019re investing in. High occupancy rates indicate a steady stream of income, making your loan application more attractive to lenders. Understanding these key elements before applying for apartment building loans can pave the way for a smoother application process and a more successful real estate investment venture.<\/p>\n

Different Types of Apartment Building Loans<\/b><\/h2>\n

\"Apartment<\/p>\n

Real estate investors seeking to finance an apartment complex have several loan types to consider. Each type of loan has unique features, benefits, and challenges, making it essential to understand your options before making a decision. Let\u2019s do a deep dive into some of the different types of apartment building loans.<\/p>\n

Hard Money Loans<\/b><\/h3>\n

Hard money loans are a type of short-term loan often used by real estate investors. These loans are typically funded by private investors or companies rather than traditional banks. Hard money loans are primarily based on the value of the property being purchased \u2013 the loan to value (LTV) \u2013 rather than the borrower\u2019s credit score. This feature makes them popular among investors needing quick financing or those with less-than-stellar credit. However, the interest rates on hard money loans can be significantly higher than other loan types. They are best used for short-term financing needs, such as bridge financing or property flipping.<\/p>\n

Commercial Loans<\/b><\/h3>\n

Commercial loans are a common financing option for apartment complexes. These loans are typically issued by commercial banks and are based on the property\u2019s ability to generate income. The terms of commercial loans, such as the interest rate and repayment period, can vary widely depending on the lending institution and the borrower\u2019s creditworthiness. One unique feature of commercial loans is that they often require a balloon payment at the end of the term, meaning the borrower will need to refinance or sell the property to pay off the loan.<\/p>\n

Bridge Loans<\/b><\/h3>\n

Bridge loans are a type of short-term loan used to \u201cbridge\u201d the gap between the purchase of a new property and the sale of an existing one. These loans can be beneficial for real estate investors who need immediate financing to secure a property. For example, if an investor spots a promising apartment complex for sale but hasn\u2019t yet sold their existing property, a bridge loan can provide the funds needed to make the purchase. Once the existing property is sold, the proceeds can be used to pay off the bridge loan. As with hard money loans, the interest rates on bridge loans can be high, so they are best used for short-term financing needs.<\/p>\n

Conventional Mortgages<\/b><\/h3>\n

Conventional mortgages are a type of loan that is not insured or guaranteed by the federal government, making them a popular choice for real estate investors. These loans typically offer competitive interest rates for borrowers with good credit scores and a low debt-to-income ratio. However, they often require a higher down payment (usually 20% of the purchase price) compared to other loan types. A conventional mortgage can be an excellent choice for an investor looking for long-term financing with stable, predictable payments.<\/p>\n

Financing Strategies for Apartment Buildings<\/b><\/h2>\n

\"Financing<\/p>\n

Financing strategies for apartment buildings encompass a range of options, enabling investors to optimize their investment in multifamily properties. Carefully selecting a suitable strategy can significantly enhance cash flow, provide stability, and ensure a high return on investment.<\/p>\n

1. Recourse vs. Non-Recourse Loans<\/b><\/h3>\n

When considering an apartment building loan, you\u2019ll encounter recourse and non-recourse loans. Recourse loans allow lenders to claim personal assets if the loan defaults, beyond the collateralized property. In contrast, non-recourse loans limit the lender\u2019s claim to the property itself. While recourse loans may offer lower interest rates due to their decreased risk for lenders, non-recourse loans provide greater protection for the borrower\u2019s personal assets.<\/p>\n

2. Seller Financing<\/b><\/h3>\n

In some cases, sellers of multifamily properties may offer financing, potentially easing the down payment and credit score requirements. Seller financing can be a strategic option if traditional lending terms are not optimal, but it\u2019s essential to ensure the interest rate and terms are competitive.<\/p>\n

3. Investing in Commercial Properties with Five or More Units<\/b><\/h3>\n

Properties with five or more units are typically classified as commercial properties. Loans for such properties are often based on the property\u2019s performance, particularly its debt service coverage ratio (DSCR), rather than solely on the borrower\u2019s credit scores. This can provide opportunities for investors with less-than-perfect credit.<\/p>\n

4. Utilizing Commercial Mortgage-Backed Securities (CMBS)<\/b><\/h3>\n

CMBS are bonds offered to investors, backed by a pool of commercial mortgages. They provide non-recourse, fixed-rate loans that can be used for purchasing large apartment complexes. However, CMBS can be complex and may not suit all investors.<\/p>\n

5. Engaging a Multifamily Loan Brokerage<\/b><\/h3>\n

A multifamily loan brokerage can guide investors through the labyrinth of apartment building financing, helping to secure the best terms and rates based on the investor\u2019s unique circumstances and the property\u2019s potential cash flow.<\/p>\n

If you\u2019re looking to invest in your next multifamily asset, JLM Real Estate provides access to unique off-market listings in the San Diego area, and offers a range of financing solutions to empower investors to make great investments! Get in touch with our investment experts today and see how we can help you move your investment goals forward!<\/p>\n

Common Mistakes Investors Should Avoid When Financing Apartment Buildings<\/b><\/h2>\n

\"Common<\/p>\n

Financing apartment buildings is a complex process, and even experienced investors can occasionally fall into pitfalls. Recognizing common mistakes can help you avoid them, ensuring a smoother journey towards successful multifamily property ownership.<\/p>\n

1. Neglecting the Borrower\u2019s Credit Score<\/b><\/h3>\n

A borrower\u2019s credit score plays a crucial role in securing a multifamily loan. This figure is a reflection of your financial trustworthiness, based on your credit history. A low credit score may lead to unfavorable loan terms such as high interest rates or even loan denial. Before applying for a loan, it is prudent to check your credit score and take measures to improve it if needed. For instance, paying off outstanding debts and ensuring all your bills are paid on time can positively influence your credit score.<\/p>\n

2. Overlooking Loan Specifics<\/b><\/h3>\n

Each loan program comes with its specific set of terms and conditions, which some investors may overlook. For example, some loan programs, especially those offered by the Federal Housing Administration, may include prepayment penalties. This means that if you repay the loan before the end of the term, you could be subject to additional fees. Another overlooked detail is the minimum credit score requirement, often applied by many apartment lenders. Before signing any loan agreement, ensure that you understand all the terms to avoid unpleasant surprises down the line.<\/p>\n

3. Skipping Due Diligence<\/b><\/h3>\n

In the excitement of acquiring a new property, some investors may skip performing proper due diligence. This can include inspecting the physical condition of the apartment complexes, understanding the property\u2019s income potential, and researching the property\u2019s value. A mistake in any of these areas could lead to a bad investment. For example, neglecting a thorough inspection could mean unseen structural issues that cost a fortune to fix. Always perform a comprehensive inspection and research before purchasing a property.<\/p>\n

4. Failing to Consult a Mortgage Broker<\/b><\/h3>\n

A mortgage broker can provide valuable insights and advice in the multifamily loan process. Their industry knowledge and connections can help you find the best loan programs and secure favorable loan terms. By not consulting a mortgage broker, you risk missing out on better financing options that could save you money in the long run.<\/p>\n

5. Over Reliance on Short Term Loans<\/b><\/h3>\n

Short-term loans, such as bridge loans or hard money loans, can be beneficial for quick acquisitions or property flips. However, overreliance on these loans can lead to a dangerous debt cycle, as these loans often have high-interest rates. A healthy balance between short-term and long-term financing is crucial for sustainable apartment ownership.<\/p>\n

6. Neglecting Market Research<\/b><\/h3>\n

Market research provides valuable information on the property\u2019s value, expected rental income, and potential growth. Neglecting this step can lead to purchasing a property in a declining market or overpaying for an apartment complex. Make sure you understand the local market conditions and trends before making an investment decision.<\/p>\n

By understanding and avoiding these common mistakes, investors can approach the multifamily loan process with increased confidence and a reduced risk of setbacks. A smart, informed approach to apartment lending can pave the way for successful property investment.<\/p>\n

To Conclude:<\/b><\/h2>\n

\"To<\/p>\n

For investors who are transitioning from single-family homes to multifamily properties, the financing options can appear overwhelming. Factors like prepayment penalties, good credit requirements, and market value assessments vary across lending institutions, underlining the importance of consulting with multiple lenders to secure the best terms. At the end of the day, finding the right loan for your investment is a careful balance of research, financial planning, and understanding your investment goals.<\/p>\n

Are you in the market for a suitable apartment building for investment? Do you feel a little overwhelmed with the whole process? Do you value your time and would like a stress-free investment opportunity to grow your wealth? Have you considered a partnership with a reputable multifamily agent? If all the answers to these questions are \u201cyes,\u201d then the team at JLM Real Estate Inc. should be your first choice.<\/p>\n

As we mentioned earlier, the real estate industry has the potential to be lucrative, but can also be an unforgiving market for investors. An opportunity to create and grow wealth should be nurtured by a team of highly experienced multifamily professionals who have a track record of success in the sector. JLM Real Estate Inc. was conceived to help savvy investors like you reap the benefits of multifamily property investments. So, for an opportunity to grow your investment portfolio and build generational wealth, get in touch with any of the brilliantly experienced property agents at\u00a0JLM Real Estate Inc<\/a>.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Loan facilities are the bedrock of real estate investing. In a highly dynamic property market, loans for apartment buildings have become a vital tool for investors aiming to acquire or improve multifamily properties. Such loans offer the financial leverage needed to kickstart or expand investment portfolios, granting investors the opportunity to make a significant impact […]<\/p>\n","protected":false},"author":1,"featured_media":1216,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"Loan facilities are the bedrock of real estate investing. In a highly dynamic property market, loans for apartment buildings have become a vital tool for investors aiming to acquire or improve multifamily properties. Such loans offer the financial leverage needed to kickstart or expand investment portfolios, granting investors the opportunity to make a significant impact in the property market.\n\nGenerally, the property market is a viable avenue to potentially create and grow wealth. But, it can also be an unforgiving market for investors who are not fully equipped with the right expertise and knowledge for investment.\u00a0JLM Real Estate Inc. Resource page<\/a>\u00a0provides investors with market insights, data, and the latest information about commercial real estate. If you are an investor looking to get credible information about a property before investing, you can alternatively consult with their team of\u00a0real estate professionals.<\/a>\n\nNow, let\u2019s explore the various types of loans, the crucial role of down payments, and how factors like net operating income influence loan eligibility. This guide aims to provide investors with a comprehensive understanding of apartment loans which in turn will enable them to make more informed decision-making, and ultimately have the potential to achieve greater success in creating and building wealth through multifamily property investing.\n

Key Factors Investors Should Consider Before Applying for an Apartment Building Loan<\/b><\/h2>\n\"Factors\n\nWhen considering loans for apartment buildings, several key factors should influence your decision-making process. These variables not only determine your eligibility for specific apartment loans but also shape the terms of the loan and your repayment strategy.\n

The Down Payment Amount<\/b><\/h3>\nFirstly, consider the size of the down payment required for the apartment building loan. Most lenders require a significant down payment, typically around 20-30% of the purchase price of the apartment building. This initial investment ensures you have a stake in the multifamily property, reducing the lender\u2019s risk.\n

Your Credit Score<\/b><\/h3>\nSecondly, your credit score plays a significant role. It often influences the interest rates and terms offered by lenders. A higher credit score generally equates to more favorable terms, emphasizing the importance of maintaining good credit health before applying for an apartment loan.\n

The Net Operating Income (NOI) of the Investment Property<\/b><\/h3>\nNet operating income (NOI), which is the total income the property generates minus operating expenses, is another crucial factor. Lenders use the NOI to calculate the Debt Service Coverage Ratio (DSCR), a metric that indicates the property\u2019s ability to cover loan payments. A higher NOI can lead to better loan terms, as it reassures lenders of your capacity to repay the loan.\n

The Occupancy Rate of the Apartment Building<\/b><\/h3>\nFinally, consider the occupancy rates of the apartment buildings you\u2019re investing in. High occupancy rates indicate a steady stream of income, making your loan application more attractive to lenders. Understanding these key elements before applying for apartment building loans can pave the way for a smoother application process and a more successful real estate investment venture.\n

Different Types of Apartment Building Loans<\/b><\/h2>\n\"Types\n\nReal estate investors seeking to finance an apartment complex have several loan types to consider. Each type of loan has unique features, benefits, and challenges, making it essential to understand your options before making a decision. Let\u2019s do a deep dive into some of the different types of apartment building loans.\n

Hard Money Loans<\/b><\/h3>\nHard money loans are a type of short-term loan often used by real estate investors. These loans are typically funded by private investors or companies rather than traditional banks. Hard money loans are primarily based on the value of the property being purchased \u2013 the loan to value (LTV) \u2013 rather than the borrower\u2019s credit score. This feature makes them popular among investors needing quick financing or those with less-than-stellar credit. However, the interest rates on hard money loans can be significantly higher than other loan types. They are best used for short-term financing needs, such as bridge financing or property flipping.\n

Commercial Loans<\/b><\/h3>\nCommercial loans are a common financing option for apartment complexes. These loans are typically issued by commercial banks and are based on the property\u2019s ability to generate income. The terms of commercial loans, such as the interest rate and repayment period, can vary widely depending on the lending institution and the borrower\u2019s creditworthiness. One unique feature of commercial loans is that they often require a balloon payment at the end of the term, meaning the borrower will need to refinance or sell the property to pay off the loan.\n

Bridge Loans<\/b><\/h3>\nBridge loans are a type of short-term loan used to \u201cbridge\u201d the gap between the purchase of a new property and the sale of an existing one. These loans can be beneficial for real estate investors who need immediate financing to secure a property. For example, if an investor spots a promising apartment complex for sale but hasn\u2019t yet sold their existing property, a bridge loan can provide the funds needed to make the purchase. Once the existing property is sold, the proceeds can be used to pay off the bridge loan. As with hard money loans, the interest rates on bridge loans can be high, so they are best used for short-term financing needs.\n

Conventional Mortgages<\/b><\/h3>\nConventional mortgages are a type of loan that is not insured or guaranteed by the federal government, making them a popular choice for real estate investors. These loans typically offer competitive interest rates for borrowers with good credit scores and a low debt-to-income ratio. However, they often require a higher down payment (usually 20% of the purchase price) compared to other loan types. A conventional mortgage can be an excellent choice for an investor looking for long-term financing with stable, predictable payments.\n

Financing Strategies for Apartment Buildings<\/b><\/h2>\n\"Financing\n\nFinancing strategies for apartment buildings encompass a range of options, enabling investors to optimize their investment in multifamily properties. Carefully selecting a suitable strategy can significantly enhance cash flow, provide stability, and ensure a high return on investment.\n

1. Recourse vs. Non-Recourse Loans<\/b><\/h3>\nWhen considering an apartment building loan, you\u2019ll encounter recourse and non-recourse loans. Recourse loans allow lenders to claim personal assets if the loan defaults, beyond the collateralized property. In contrast, non-recourse loans limit the lender\u2019s claim to the property itself. While recourse loans may offer lower interest rates due to their decreased risk for lenders, non-recourse loans provide greater protection for the borrower\u2019s personal assets.\n

2. Seller Financing<\/b><\/h3>\nIn some cases, sellers of multifamily properties may offer financing, potentially easing the down payment and credit score requirements. Seller financing can be a strategic option if traditional lending terms are not optimal, but it\u2019s essential to ensure the interest rate and terms are competitive.\n

3. Investing in Commercial Properties with Five or More Units<\/b><\/h3>\nProperties with five or more units are typically classified as commercial properties. Loans for such properties are often based on the property\u2019s performance, particularly its debt service coverage ratio (DSCR), rather than solely on the borrower\u2019s credit scores. This can provide opportunities for investors with less-than-perfect credit.\n

4. Utilizing Commercial Mortgage-Backed Securities (CMBS)<\/b><\/h3>\nCMBS are bonds offered to investors, backed by a pool of commercial mortgages. They provide non-recourse, fixed-rate loans that can be used for purchasing large apartment complexes. However, CMBS can be complex and may not suit all investors.\n

5. Engaging a Multifamily Loan Brokerage<\/b><\/h3>\nA multifamily loan brokerage can guide investors through the labyrinth of apartment building financing, helping to secure the best terms and rates based on the investor\u2019s unique circumstances and the property\u2019s potential cash flow.\n\nIf you\u2019re looking to invest in your next multifamily asset, JLM Real Estate provides access to unique off-market listings in the San Diego area, and offers a range of financing solutions to empower investors to make great investments! Get in touch with our investment experts today and see how we can help you move your investment goals forward!\n

Common Mistakes Investors Should Avoid When Financing Apartment Buildings<\/b><\/h2>\n\"Mistakes\n\nFinancing apartment buildings is a complex process, and even experienced investors can occasionally fall into pitfalls. Recognizing common mistakes can help you avoid them, ensuring a smoother journey towards successful multifamily property ownership.\n

1. Neglecting the Borrower\u2019s Credit Score<\/b><\/h3>\nA borrower\u2019s credit score plays a crucial role in securing a multifamily loan. This figure is a reflection of your financial trustworthiness, based on your credit history. A low credit score may lead to unfavorable loan terms such as high interest rates or even loan denial. Before applying for a loan, it is prudent to check your credit score and take measures to improve it if needed. For instance, paying off outstanding debts and ensuring all your bills are paid on time can positively influence your credit score.\n

2. Overlooking Loan Specifics<\/b><\/h3>\nEach loan program comes with its specific set of terms and conditions, which some investors may overlook. For example, some loan programs, especially those offered by the Federal Housing Administration, may include prepayment penalties. This means that if you repay the loan before the end of the term, you could be subject to additional fees. Another overlooked detail is the minimum credit score requirement, often applied by many apartment lenders. Before signing any loan agreement, ensure that you understand all the terms to avoid unpleasant surprises down the line.\n

3. Skipping Due Diligence<\/b><\/h3>\nIn the excitement of acquiring a new property, some investors may skip performing proper due diligence. This can include inspecting the physical condition of the apartment complexes, understanding the property\u2019s income potential, and researching the property\u2019s value. A mistake in any of these areas could lead to a bad investment. For example, neglecting a thorough inspection could mean unseen structural issues that cost a fortune to fix. Always perform a comprehensive inspection and research before purchasing a property.\n

4. Failing to Consult a Mortgage Broker<\/b><\/h3>\nA mortgage broker can provide valuable insights and advice in the multifamily loan process. Their industry knowledge and connections can help you find the best loan programs and secure favorable loan terms. By not consulting a mortgage broker, you risk missing out on better financing options that could save you money in the long run.\n

5. Over Reliance on Short Term Loans<\/b><\/h3>\nShort-term loans, such as bridge loans or hard money loans, can be beneficial for quick acquisitions or property flips. However, overreliance on these loans can lead to a dangerous debt cycle, as these loans often have high-interest rates. A healthy balance between short-term and long-term financing is crucial for sustainable apartment ownership.\n

6. Neglecting Market Research<\/b><\/h3>\nMarket research provides valuable information on the property\u2019s value, expected rental income, and potential growth. Neglecting this step can lead to purchasing a property in a declining market or overpaying for an apartment complex. Make sure you understand the local market conditions and trends before making an investment decision.\n\nBy understanding and avoiding these common mistakes, investors can approach the multifamily loan process with increased confidence and a reduced risk of setbacks. A smart, informed approach to apartment lending can pave the way for successful property investment.\n

To Conclude:<\/b><\/h2>\n\"Summary\n\nFor investors who are transitioning from single-family homes to multifamily properties, the financing options can appear overwhelming. Factors like prepayment penalties, good credit requirements, and market value assessments vary across lending institutions, underlining the importance of consulting with multiple lenders to secure the best terms. At the end of the day, finding the right loan for your investment is a careful balance of research, financial planning, and understanding your investment goals.\n\nAre you in the market for a suitable apartment building for investment? Do you feel a little overwhelmed with the whole process? Do you value your time and would like a stress-free investment opportunity to grow your wealth? Have you considered a partnership with a reputable multifamily agent? If all the answers to these questions are \u201cyes,\u201d then the team at JLM Real Estate Inc. should be your first choice.\n\nAs we mentioned earlier, the real estate industry has the potential to be lucrative, but can also be an unforgiving market for investors. An opportunity to create and grow wealth should be nurtured by a team of highly experienced multifamily professionals who have a track record of success in the sector. JLM Real Estate Inc. was conceived to help savvy investors like you reap the benefits of multifamily property investments. So, for an opportunity to grow your investment portfolio and build generational wealth, get in touch with any of the brilliantly experienced property agents at\u00a0JLM Real Estate Inc<\/a>.","_et_gb_content_width":"","episode_type":"","audio_file":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","date_recorded":"","explicit":"","block":"","filesize_raw":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-969","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"_links":{"self":[{"href":"https:\/\/wp.webprojectmockup.com\/wp\/jlm-real-estate\/wp-json\/wp\/v2\/posts\/969","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wp.webprojectmockup.com\/wp\/jlm-real-estate\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wp.webprojectmockup.com\/wp\/jlm-real-estate\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wp.webprojectmockup.com\/wp\/jlm-real-estate\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/wp.webprojectmockup.com\/wp\/jlm-real-estate\/wp-json\/wp\/v2\/comments?post=969"}],"version-history":[{"count":4,"href":"https:\/\/wp.webprojectmockup.com\/wp\/jlm-real-estate\/wp-json\/wp\/v2\/posts\/969\/revisions"}],"predecessor-version":[{"id":1275,"href":"https:\/\/wp.webprojectmockup.com\/wp\/jlm-real-estate\/wp-json\/wp\/v2\/posts\/969\/revisions\/1275"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wp.webprojectmockup.com\/wp\/jlm-real-estate\/wp-json\/wp\/v2\/media\/1216"}],"wp:attachment":[{"href":"https:\/\/wp.webprojectmockup.com\/wp\/jlm-real-estate\/wp-json\/wp\/v2\/media?parent=969"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wp.webprojectmockup.com\/wp\/jlm-real-estate\/wp-json\/wp\/v2\/categories?post=969"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wp.webprojectmockup.com\/wp\/jlm-real-estate\/wp-json\/wp\/v2\/tags?post=969"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}