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SOUTHFIELD, MICH. — Bernard Financial Group has arranged a $9 million loan for The Pines Apartments in Southfield. The multifamily complex consists of 100 units. The borrower was Pine Investors LLC. Dennis Bernard and Kevin Kovachevich of Bernard Financial originated the loan. Goldman Sachs Commercial Real Estate LP was the lender. The Pines Apartments is located at 29500 Franklin Road.