NYC multifamily loans coming due, and how to look up a building's mortgage
How to look up the mortgages on any NYC building in ACRIS, where loan maturity dates are public, and how many NYC CMBS loans mature each year.
Updated Oct 14, 2026 · 5 min read
Every loan on a building ends. When it does, the owner has to pay it off, which usually means refinancing at whatever rates and terms are available that day, or selling. NYC apartment buildings financed when rates were low are now reaching that point, so knowing when a building's loan matures is one of the most useful things you can know about it.
What ACRIS shows about a building's debt
Every mortgage recorded against an NYC property is in ACRIS, the city's register. For any tax lot you can see:
| Document | What it tells you |
|---|---|
| Mortgage | The lender, the borrower and the amount, recorded on the day the loan closed. |
| Consolidation, extension or modification agreement | Older loans were combined, extended or changed. NYC refinances often use these to reduce mortgage recording tax, so a "new" loan may be an old one restated. |
| Assignment | The loan moved to another lender. This often happens when a loan is securitized or sold. |
| Satisfaction | The loan was paid off. |
Start from the building's tax lot, list every mortgage-type document, and remove the ones that a later satisfaction paid off. What's left is the debt still on record. See how to read ACRIS for the fields.
Where maturity dates are public
- CMBS loans. Loans pooled into commercial mortgage-backed securities report the maturity date, the balance, whether payments are current, and the debt service coverage ratio, every month.
- FHA-insured loans. HUD publishes data on the multifamily loans it insures, including maturity.
NYC buildings with a CMBS loan maturing, by year
| Year | Buildings | Delinquent | In special servicing |
|---|---|---|---|
| 2026 | 11 | 2 | 3 |
| 2027 | 169 | 12 | 16 |
| 2028 | 223 | 16 | 21 |
| 2029 | 182 | 23 | 16 |
| 2030 | 182 | 20 | 22 |
| 2031 | 108 | 10 | 9 |
CMBS loan servicing data matched to NYC tax lots in CurbScoop, generated Oct 14, 2026. 875 buildings have a loan maturing in the next five years. Of those, 83 are already delinquent and 87 are with a special servicer; a building can be both.
Reading the signal
- Maturity within two years is when owners start talking to lenders and, sometimes, brokers.
- A low debt service coverage ratio(near or below 1.0) means the building's income barely covers its payments. Refinancing will be hard without new equity.
- Special servicing means the loan has been handed to the team that deals with problem loans. Modifications, note sales and foreclosures start here.
- Stack it with other signals, such as a tax benefit ending or rising violations, and with what the owner has done on their other buildings. See how to find off-market sellers.
Common questions
- How do I find the mortgage on an NYC property?
- Search the tax lot in ACRIS and filter to mortgage documents, assignments and satisfactions. Mortgages without a later satisfaction are the debt still on record.
- Can I see when a building's loan matures?
- Not from ACRIS, which records the amount but not the term. Maturity dates are public for CMBS loans, through monthly servicing reports, and for FHA-insured loans through HUD data.
- What does special servicing mean?
- The loan has been transferred to a servicer that handles troubled loans, usually after a default or ahead of a maturity the borrower cannot refinance. Modifications, note sales and foreclosures start there.