MARKET RATES
ICS provides the most competitive rates and terms available in today's capital marketplace issuing SAME-DAY Term Sheets!
Market
| Prime | 6.75% |
| SOFR | 3.51% |
| 5-YR Treasury | 4.24% |
| 7-YR Treasury | 4.41% |
| 10-YR Treasury | 4.59% |
Rate Range Averages by Loan Type
| Bridge Loans | Prime
+ 1% to 3% |
| Rehab Loans | Prime
+ 2% to 4% |
| Ground-Up Construction Loans | SOFR
+ 4% to 5% |
| 5-Year Fixed
(CRE & Multifamily) |
5-Yr Treasury
+ 1.5% to 3% |
| 7-Year Fixed
(CRE & Multifamily) |
7-Yr Treasury
+ 1.5% to 3% |
| 10-Year Fixed
(CRE & Multifamily) |
10-Yr Treasury
+ 1.5% to 3% |
| SBA 7a Owner-User Loans | Prime
+ 2% to 3% |
REAL ESTATE SECURED LOANS
SHORT-TERM BRIDGE LOAN
7.75% to 9.75%
Lender Points: 2% - 3%
Term: 1 to 3-Years
Amortization: Interest Only
Loan Size: $300,000 to $100MM+
Max LTV: 75%
Min FICO: 500
> Property Types: Investment & Owner-User
LONG-TERM DSCR / PERM LOAN
5.75% to 8.25%
Lender Points: 1% - 2%
Term: 5, 7, 10 & 30-Years
Amortization: 25 to 30-Years
Loan Size: $300,000 to $100MM+
Max LTV: 75% CRE | 80% Multifamily
Min FICO: 650
> Property Types: Investment & Owner-User
SMALL BALANCE DSCR LOAN
Private 6.50% to 8.75%
Lender Points: 0% to 1%
Term: 5 & 30-Years
Amortization: 25 to 30-Years
Loan Size: $300,000 to $2.5MM
Max LTV: 75% CRE | 80% Multifamily
Min FICO: 650
> Property Types: Investment
SHORT-TERM REHAB LOAN
7.875% to 9.875%
Lender Points: 2% - 3%
Term: 1 to 2-Years
Amortization: Interest Only
$300,000 to $100MM+
Max ARVLTV: 75% | Max LTC: 85%
Min FICO: 650
> Property Types: Investment & Owner-User
GROUND-UP CONSTRUCTION
7.875% to 9.875%
Lender Points: 2% - 3%
Term: 1 to 3-Years
Amortization: Interest Only
Loan Size: $300,000 to $100MM+
Max ARVLTV: 65% | Max LTC: 80%
Min FICO: 650 - 680
> Property Types: Investment & Owner-User
SBA 7a LOAN
8.75% to 9.75%
SBA Guarantee Fee: 3% to 3.5%
Term: 25-Years Adjustable
Amortization: 25-Years
Loan Size: $300,000 to $5MM
Max LTV/LTC: 90%
Property Types: Commercial & Mixed-Use
Min FICO: 680
Owner-operator must occupy 51%+ available space
FREDDIE MAC SMALL BALANCE
MULTIFAMILY 5+ Units
5.75% to 6.75%
Lender Points: 0% - 1%
Term: 5, 7, 10-Years
Amortization: 30-Years
Partial Interest Only Available
Loan Size: $1,000,000 to $7.5MM+
Max LTV: 80%
Min FICO: 680
Property Types: Multifamily 5+ Units
FANNIE MAE CONVENTIONAL
MULTIFAMILY 5+ Units
5.20% to 5.45%
Lender Points: 0% - 1%
Term: 5, 7, 10 & 30-Years
Amortization: 30-Years
Partial Interest Only Available
Loan Size: $5,000,000 & Up
Max LTV: 80%
Min FICO: 680
Partial Interest Only Available
Property Types: Multifamily 5+ Units
CMBS LOAN
5.95% to 6.75%
Lender Points: 0% - 1%
Term: 5, 7, 10 & 30-Years
Amortization: 30-Years
Partial & Full-term Interest Only Available
Loan Size: $2,000,000 & Up
Max LTV: 80%
Min FICO: 680
Partial Interest Only Available
Property Types: Multifamily 5+ Units & Commercial