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Securing agency financing through Fannie Mae or Freddie Mac is one of the most cost-effective ways for commercial real estate owners to finance multifamily assets. Both government-sponsored enterprises (GSEs) maintain detailed insurance standards that generally must be satisfied for loan closing, absent an approved exception or permitted alternative. For insurance brokers, delivering an agency-compliant insurance package is critical to keeping a transaction on schedule. Wheth

August isn't just "Back to School" season—in the student housing sector, it’s the most intense, high-risk operational window of the year. Often executed in a compressed 5-to-7-day window, the August "Turn" requires property managers to vacate, repair, paint, clean, and re-occupy thousands of units before the fall semester begins. In large student communities, property teams may turn over 60% to 90% of their total beds within this single week. From an underwriting and risk man

If you’ve tried placing a multi-family or habitational schedule recently, you’ve undoubtedly seen the underwriter’s notes come back with variations of the same phrase: “Requires high-quality management.” In a volatile property and casualty market, carriers are no longer just underwriting the bricks, mortar, and loss runs. They are underwriting the human infrastructure running the asset. But what does "high-quality management" actually mean in practice? And more importantly, h

Explore HabGen's 2026 mid-year commercial habitational insurance market report covering multifamily property insurance, General Liability trends, underwriting changes, and what brokers need to know for the second half of the year.