Our Loan Programs
Commercial real estate properties are financed by a variety of mortgage lenders. Each lender type has their own general box for the types of deals where they are usually a proper fit, and within each lender type – each individual lender has their own unique program parameters, requirements, and appetite.
As the market changes, so do the lending programs for each individual lender and is something that is constantly in flux. We competitive individual lenders and consistently tracks changes to their programs as well as new lenders entering the market. Navigating this terrain can be difficult for a variety of reasons – but there are some general rules of thumb a borrower.
MULTIFAMILY LENDING
- 5+ Unit Property Financing
- West Coast & Nationwide Programs
- Maximum 80% Loan-to-Value (LTV)
- Nationwide Lending $1,000,000+
- California Lending $500,000+
- Competitive & Flexible Programs
- Complimentary Loan Quotes
OWNER-USER LENDING
- Core Commercial Financing
- West Coast & Nationwide Programs
- Maximum 75% Loan-to-Value (LTV)
- Nationwide Lending $1,000,000+
- California Lending $500,000+
- Competitive & Flexible Programs
- Complimentary Loan Quotes
COMMERCIAL LENDING
- Owner-Occupied Financing
- West Coast & Nationwide Programs
- Maximum 90% Loan-to-Value (LTV)
- Nationwide Lending $500,000+
- SBA & Conventional Options
- Improvements & Equipment Loans
- Complimentary Loan Quotes
LENDER PARTNERS
- Banking Institutions
- CMBS Conduit Lenders
- Life Insurance Companies
- Fannie Mae, Freddie Mac, FHA
- SBA Small Business Loans
- Private Individual Investors
- Private Investment Groups
- Mortgage Debt Funds
- Commercial Mortgage REITs
- Chartered Credit Unions
- Marketplace Crowdfunding
PROPERTY TYPES
- Multifamily (5+ Units)
- Office Buildings & Parks
- Industrial and Flex Buildings
- Retail Investment Properties
- NNN Investment Properties
- Mixed-Use Developments
- Self-Storage Facilities
- Mobile Home Parks
- Hotels (Flagged and Boutique)
- Special Purpose Properties
- Single-Family Portfolios
TRANSACTION TYPES
- Long-Term Perm Financing
- Short-Term Bridge Financing
- Value-Add Rehab Strategies
- 1031 Exchange Transactions
- Ground-Up Construction
- SBA Business Real Estate
- Cash-Out Refinances
- Commercial Lines of Credit
- Delayed Purchase Loans
- NNN 100% Construction Loans
- Single-Family Portfolio Lending
MULTIFAMILY LOAN PROGRAMS
MULTIFAMILY | MULTIFAMILY LOAN PROGRAMS | ||||||
---|---|---|---|---|---|---|---|
LENDING AREA | Nationwide, with preferred programs for Western states | ||||||
LOAN AMOUNT | $1,000,000 and up; $350,000 and above in California | ||||||
MAXIMUM LTV | 80% maximum loan-to-value, based on risk and cash flow | ||||||
FIXED RATES | Starting at 2.95% and above (updated weekly) | ||||||
AMORTIZATION | 30-year amortization standard | ||||||
RECOURSE | Non-recourse available | ||||||
PREPAYMENT | Ranging from none to yield maintenance, stepdown standard | ||||||
UNDERWRITING | Starting at a 1.15x debt service ratio (DSCR) |
COMMERCIAL LOAN PROGRAMS
COMMERCIAL | COMMERCIAL LOAN PROGRAMS | ||||||
---|---|---|---|---|---|---|---|
LENDING AREA | Nationwide, with preferred programs for Western states | ||||||
LOAN AMOUNT | $1,000,000 and up; $350,000 and above in California | ||||||
MAXIMUM LTV | 80% maximum loan-to-value, based on risk and cash flow | ||||||
FIXED RATES | Starting at 2.95% and above (updated weekly) | ||||||
AMORTIZATION | 30-year amortization standard | ||||||
RECOURSE | Non-recourse available | ||||||
PREPAYMENT | Ranging from none to yield maintenance, stepdown standard | ||||||
UNDERWRITING | Starting at a 1.15x debt service ratio (DSCR) |
OWNER-USER LOAN PROGRAMS
OWNER | OWNER-USER LOAN PROGRAMS | ||||||
---|---|---|---|---|---|---|---|
LENDING AREA | Nationwide, with preferred programs for Western states | ||||||
LOAN AMOUNT | $1,000,000 and up; $350,000 and above in California | ||||||
MAXIMUM LTV | 80% maximum loan-to-value, based on risk and cash flow | ||||||
FIXED RATES | Starting at 2.95% and above (updated weekly) | ||||||
AMORTIZATION | 30-year amortization standard | ||||||
RECOURSE | Non-recourse available | ||||||
PREPAYMENT | Ranging from none to yield maintenance, stepdown standard | ||||||
UNDERWRITING | Starting at a 1.15x debt service ratio (DSCR) |