LOAN PRODUCT SEARCH

SEARCH LOAN PRODUCTS

 
 

COMMERCIAL OWNER-USER LOANS

Private | Institutional | SBA

 
 

View our commercial property owner-user loan products then schedule a Loan Review Call. It's FAST & EASY!

SHORT-TERM BRIDGE LOAN

Bank 7.75% Private 9.75%

Lender Points: 2% - 3%

Term: 1 to 3-Years

Amortization: Interest Only

Loan Size: $300,000 to $100MM+

Max LTV: 75%

> Property Types: Investment & Owner-User

View Guideines

LONG-TERM PERM LOAN

Bank 5.75% Private 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

> Property Types: Investment & Owner-User

View Guidelines

SMALL BALANCE DSCR LOAN

Private 6.75% 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

> Property Types: Investment

Request Loan

SHORT-TERM REHAB LOAN

Bank 7.875% Private 9.875%

Lender Points: 2% - 3%

Term: 1 to 2-Years

Amortization: Interest Only

$300,000 to $100MM+

Max ARVLTV: 75% | Max LTC: 85%

> Property Types: Investment & Owner-User

View Guidelines

GROUND-UP CONSTRUCTION

Bank 7.875% Private 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%

> Property Types: Investment & Owner-User

View Guidelines

SBA 7a LOAN

9.25% 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

Owner-operator must occupy 51%+ available space

View Guidelines

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%

Property Types: Multifamily 5+ Units

View Guidelines

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%

Partial Interest Only Available

Property Types: Multifamily 5+ Units

View Guidelines

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%

Partial Interest Only Available

Property Types: Multifamily 5+ Units & Commercial

View Guidelines

Document Requirements

Below are the initial documents needed to evaluate commercial real estate financing for an owner-user where the property owner intends to operate their business from the subject property location. SBA loans go to 90% LTV and the property owner must occupy 51% or more of the available space. Non-SBA loans go to 75% LTV with no owner-user occupancy percentage requirements.

  • Owner Personal Financial Statement
  • Schedule Real Estate Owned
  • Business Profit & Loss Report (Last 2-years)
  • Owner Resume
  • Scope of Work & Budget (If Rehab or Ground-up Construction)
  • 3-Years Personal & Business Tax Returns (SBA & Bank Loans only)