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Commercial

Commercial and Multifamily Loans

Commercial and multifamily financing for 5+ unit apartments, mixed-use, retail, office, industrial and self-storage. Up to 75% LTV, 25 to 30-year amortization.

Commercial & Multifamily

Financing for 5+ units, mixed-use and commercial assets.

Long-term financing for multifamily, mixed-use, retail, office, industrial and self-storage properties. Underwritten on property net operating income with flexible documentation for experienced and emerging sponsors.

Max LTV

75%

Min DSCR

1.20x

Loan Size

$250K–$10M

Amortization

25–30 yr

Program terms

Loan amounts
$250,000 – $10,000,000
Purchase LTV
Up to 75%
Cash-out LTV
Up to 70%
Terms
5, 7, 10-yr fixed; 25–30-yr amortization
Property types
5+ unit multifamily, mixed-use, retail, office, industrial, self-storage
Recourse
Full and limited-recourse options
Prepayment
Step-down or yield maintenance
Vesting
LLC / LP / corporation

Qualifications

  • Minimum 1.20x DSCR on in-place NOI
  • Minimum 660 FICO for guarantors
  • Trailing-12 operating statement & current rent roll
  • Sponsor experience & real estate schedule
  • Environmental (Phase I) and commercial appraisal
  • Liquidity of 9–12 months debt service

FAQ

Commercial & Multifamily: common questions

Other programs

Explore more financing options

DSCR LoansQualify on the property’s rent — not your tax returns. Bank Statement LoansSelf-employed? Your deposits tell the real story. Cash-Out RefinanceTurn rental equity into your next down payment. Home Equity Investment (HEI)Cash from your home equity — with no monthly payment.

Illustrative program parameters. Actual terms depend on credit, property, and market conditions and are subject to change.

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