Program Details
Loan Features
- Loan Amounts: $150k to $20M
- Multi-Family (5+) | Mixed-Use | All Commercial asset types
- Loan Terms: 6, 12, 24 month bridge; 25 & 30 year FRM
- Purchase/Rate & Term Refinance Maximum: Up to 80% LTV
- Cash-Out Refinance Maximum: Up to 75% LTV
- Minimum DSCR: 1.0x
- Minimum FICO: 680
Requirements
- Minimum 680 credit score
- DSCR-based underwriting
- Property appraisal required
- Title insurance and survey
- Adequate cash reserves
- Exit strategy documentation
- Property management plan
- Insurance coverage verification
How Commercial Financing Works
Property Evaluation
We conduct comprehensive property analysis including market position, cash flow, and value assessment.
Sponsor Review
Evaluate sponsor experience, track record, and financial capacity to ensure project success.
Loan Structuring
Design customized loan terms that align with your investment strategy and property performance.
Ongoing Support
Provide ongoing relationship management and support throughout the loan term.
Success Story
Metropolitan Investment Partners
We secured a $12M loan at 6.75% for a 48-unit apartment complex. The 25-year amortization with 5-year interest-only period provided optimal cash flow. The property generates $1.2M annually with strong occupancy and appreciation potential.
Frequently Asked Questions
What is the minimum loan amount for commercial properties?
We require a minimum loan amount of $1 million for commercial and multi-family properties, with maximum loan amounts up to $20 million.
What types of commercial properties do you finance?
We finance multi-family properties, office buildings, retail centers, industrial facilities, and mixed-use developments.
How is the loan amount determined?
Loan amounts are based on property value, cash flow, debt service coverage ratio, and sponsor strength. We typically lend up to 80% LTV.
What documentation is required?
We require property financials, rent rolls, property management agreements, environmental reports, and comprehensive sponsor financials.
How long does the approval process take?
Commercial loan approvals typically take 4-6 weeks depending on property complexity and documentation completeness.
Property Types We Finance
Multi-Family
- • Apartment complexes (5+ units)
- • Student housing
- • Senior living facilities
- • Affordable housing projects
Commercial
- • Office buildings
- • Retail centers
- • Industrial properties
- • Mixed-use developments
Why Choose Our Commercial Loans?
Institutional Quality
Access institutional-quality financing with competitive rates and flexible terms designed for experienced investors.
Experienced Team
Work with commercial loan specialists who understand complex transactions and can guide you through every step.
Flexible Terms
Customize your loan structure with interest-only periods, flexible amortization, and competitive rates.
Fast Approvals
Benefit from our streamlined approval process and experienced underwriting team for faster closings.
Commercial Loan Comparison
| Property Type | Loan Amount | Max LTV | Rate Range | Term |
|---|---|---|---|---|
| Multi-Family (5-50 units) | $1M - $10M | 80% | 6.5% - 7.5% | 5-30 years |
| Multi-Family (50+ units) | $5M - $20M | 75% | 6.0% - 7.0% | 5-30 years |
| Office Buildings | $1M - $15M | 70% | 6.75% - 7.75% | 5-25 years |
| Retail Centers | $1M - $12M | 70% | 7.0% - 8.0% | 5-25 years |
| Industrial Properties | $1M - $20M | 75% | 6.5% - 7.5% | 5-30 years |