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Stunning view of downtown San Diego waterfront with luxury real estate, ideal location for ACI Apartments luxury living

ACI Apartments Welcomes Christina Labowicz as Majority Owner & CEO

ACI Apartments announces Christina Labowicz as Majority Owner & CEO, bringing over $62.5 million in closed sales and a data-driven approach to San Diego multifamily brokerage. As a female-majority-owned, veteran-operated firm, ACI delivers expert valuation, strategic underwriting, and modern marketing for apartment owners and investors.

San Diego Multifamily

San Diego Investor Capital Is Waiting

With 209 five-plus unit buildings currently sitting on the market and an average 159 days on market, many San Diego sellers are hesitant to list heading into 2026. But capital is still actively seeking well-positioned assets — and with disciplined pricing and a consistent, multi-channel marketing strategy, properties are still trading well below the county average days on market.

San Diego commercial real estate lending

San Diego Multifamily Lending Has Changed in 2026

San Diego multifamily lending has changed in 2026. Lenders are prioritizing in-place cash flow, tighter DSCR, and conservative assumptions — meaning refinance proceeds may be lower than expected. Understanding how your property underwrites today is critical before refinancing or selling.

Commercial Lending

What Lenders Look for When Financing Apartment Buildings (5+ Units)

Financing an apartment building is very different from financing a duplex or fourplex. Once a property reaches five units or more, lenders treat it as a commercial asset rather than residential real estate. This shift changes how the property is evaluated, how loans are structured, and what investors must demonstrate in order to secure financing.