Vertically Integrated Providing Best in Class Terms & Service

With ICS, you get flexible, streamlined financing solutions and certainty of execution for the acquisition or refinance of multifamily, commercial, and investment properties. When it comes to attaining the most competitive rate and terms, ICS gets it done. ICS structures and underwrites loans across multiple lenders simultaneously, including banks, credit unions, private lenders, life insurance companies, and numerous agency lenders, including Freddie Mac, Fannie Mae, and FHA. Loans are sold, assigned, or brokered to the most competitive lender.

Conventional Bank & Agency Loans

ICS Conventional Bank & Agency Loans are permanent (long-term) fixed-rate loans with initial fixed periods of 5, 7, 10, 12, 15, and 30-years, up to 30-year amortization, have a prepayment penalty, offering the lowest rates available. Properties must be stabilized and meet stricter conventional underwriting guidelines. Close in 45 to 60 days.

2.6% to 4.99%

No Lender Points

$1MM to $100MM+

45 to 60 Day Close

FLEX (Non-Bank) Fixed-Rate Loans

ICS FLEX Fixed-Rate Loans are non-conforming loans with 5 to 30-year fixed-rate terms and up to 30-year amortization. Underwriting guidelines are more flexible, providing long-term financing for borrowers and/or properties that don’t meet conventional guidelines. Rates and LTV limits are FICO score based.

4.25% to 8.25%

No Lender Points

$100K to $2MM

30 to 45 Day Close

Bridge Loans

ICS Bridge Loans are interest only with fixed terms ranging from 1 to 3 years, and usually have no prepayment penalty. Underwriting guidelines are more flexible. Bridge loans are asset-based used to stabilize or rehab commercial or investment properties to resell or refinance long-term. Bridge loans offer fast closings in as little as 7 to 21 days for time-sensitive transactions.

6.99% to 11.99%

2-3 Lender Points

$100K to $50MM+

7 to 21 Day Close

Fix & Flip Loans

ICS Fix & Flip Loans are interest only with fixed terms ranging from 9 to 12 months, and have no prepayment penalty. We offer up to 100% LTV and 95% LTC depending upon the project. Fix & Flip loans are used to complete small to major rehab projects in order to resell or refinance long-term. Fix & Flip loans close in 21 to 30 days.

6.75% to 11.25%

2-3 Lender Points

$100K to $3MM

21 to 30 Day Close

Construction Loans 

ICS Construction loan terms are 9 to 36 month interest only terms, and usually have no prepayment penalty. Underwriting guidelines are project specific and require a minimum of one construction project completed within the last 5 years. Constructions loans can close in 45 to 60 days.

5.99% to 9.25%

1-3 Lender Points

$100K to $100MM+

45 to 60 Day Close

SBA Real Estate Loans

ICS funds SBA loans for owner-occupied commercial real estate, including purchase, refinance, rehab, and new construction. Properties can be single-tenant or mixed-use, with 51% or more of the property occupied by the property owner's business. SBA loans require as little as 10% down and can close in 45 to 60 days.

5.5% to 8.0%

2 Lender Points

$250K to $5MM+

45 to 60 Day Close