1 to 4-UNIT RESIDENTIAL LOANS
Rentals | Rehab | Ground-up
ICS LOAN FINDER™
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Short-Term Loan
1-Year Bridge Loan
Minimum Loan
$1,000,000
Maximum Loan
$50,000,000
Estimated Rate
8.62% – 8.87%
Maximum LTV
75%
Term
1-Year
Closing Time
1 to 2 Weeks
Property Use
Investment or Owner-User
Short-Term Loan
2-Year Bridge Loan
Minimum Loan
$1,000,000
Maximum Loan
$50,000,000
Estimated Rate
8.745% – 8.995%
Maximum LTV
75%
Term
2-Years
Closing Time
1 to 2 Weeks
Property Use
Investment or Owner-User
Short-Term Loan
1-Year Small Bridge Loan
Minimum Loan
$300,000
Maximum Loan
$1,000,000
Estimated Rate
8.87% – 9.245%
Maximum LTV
75%
Term
1-Year
Closing Time
1 to 2 Weeks
Property Use
Investment or Owner-User
Short-Term Loan
2-Year Small Bridge Loan
Minimum Loan
$300,000
Maximum Loan
$1,000,000
Estimated Rate
8.995% – 9.495%
Maximum LTV
75%
Term
2-Years
Closing Time
1 to 2 Weeks
Property Use
Investment or Owner-User
Short-Term Loan
2-Year Bank Bridge
Minimum Loan
$300,000
Maximum Loan
$100,000,000
Estimated Rate
7.75% – 8.75%
Maximum LTV
75%
Term
2-Years
Closing Time
30 to 45 Days
Property Use
Investment or Owner-User
Short-Term Loan
2-Year Low Doc Bank Bridge
Minimum Loan
$300,000
Maximum Loan
$1,000,000
Estimated Rate
9.25% – 9.75%
Maximum LTV
50%
Term
2-Years
Closing Time
30 to 45 Days
Property Use
Investment or Owner-User
Long-Term Permanent Loan
5-Year Low Doc Bank Loan
Minimum Loan
$300,000
Maximum Loan
$1,000,000
Estimated Rate
8.75% – 9.25%
Maximum LTV
50%
Term
5-Years
Closing Time
30 to 45 Days
Property Use
Investment or Owner-User
Long-Term Permanent Loan
5-Year Agency Small Loan - 75% LTV
Minimum Loan
$1,000,000
Maximum Loan
$9,000,000
Estimated Rate
6.15% – 6.43%
Maximum LTV
75%
Term
5-Years
Closing Time
45 to 60 Days
Property Use
Investment
Long-Term Permanent Loan
5-Year Agency Small Loan - 65% LTV
Minimum Loan
$1,000,000
Maximum Loan
$9,000,000
Estimated Rate
5.8% – 6.1%
Maximum LTV
65%
Term
5-Years
Closing Time
45 to 60 Days
Property Use
Investment
Long-Term Permanent Loan
5-Year Agency Small Loan - 55% LTV
Minimum Loan
$1,000,000
Maximum Loan
$9,000,000
Estimated Rate
5.7% – 5.9%
Maximum LTV
55%
Term
5-Years
Closing Time
45 to 60 Days
Property Use
Investment
Long-Term Permanent Loan
7-Year Agency Small Loan - 80% LTV
Minimum Loan
$1,000,000
Maximum Loan
$9,000,000
Estimated Rate
6.15% – 6.425%
Maximum LTV
80%
Term
7-Years
Closing Time
45 to 60 Days
Property Use
Investment
Long-Term Permanent Loan
7-Year Agency Small Loan - 65% LTV
Minimum Loan
$1,000,000
Maximum Loan
$9,000,000
Estimated Rate
5.9% – 6.2%
Maximum LTV
65%
Term
7-Years
Closing Time
45 to 60 Days
Property Use
Investment
Long-Term Permanent Loan
7-Year Agency Small Loan - 55% LTV
Minimum Loan
$1,000,000
Maximum Loan
$9,000,000
Estimated Rate
5.8% – 6%
Maximum LTV
55%
Term
7-Years
Closing Time
45 to 60 Days
Property Use
Investment
Long-Term Permanent Loan
10-Year Agency Small Loan - 80% LTV
Minimum Loan
$1,000,000
Maximum Loan
$9,000,000
Estimated Rate
6.18% – 6.48%
Maximum LTV
80%
Term
10-Years
Closing Time
45 to 60 Days
Property Use
Investment
Long-Term Permanent Loan
10-Year Agency Small Loan - 65% LTV
Minimum Loan
$1,000,000
Maximum Loan
$9,000,000
Estimated Rate
5.98% – 6.28%
Maximum LTV
65%
Term
10-Years
Closing Time
45 to 60 Days
Property Use
Investment
Long-Term Permanent Loan
10-Year Agency Small Loan - 55% LTV
Minimum Loan
$1,000,000
Maximum Loan
$9,000,000
Estimated Rate
5.88% – 6.08%
Maximum LTV
55%
Term
10-Years
Closing Time
45 to 60 Days
Property Use
Investment
Long-Term Permanent Loan
5-Year Ageny Conventional Loan - 75% LTV
Minimum Loan
$10,000,000
Maximum Loan
Not specified
Estimated Rate
5.9% – 6.18%
Maximum LTV
75%
Term
5-Years
Closing Time
45 to 60 Days
Property Use
Investment
Long-Term Permanent Loan
5-Year Ageny Conventional Loan - 65% LTV
Minimum Loan
$10,000,000
Maximum Loan
Not specified
Estimated Rate
5.55% – 5.85%
Maximum LTV
65%
Term
5-Years
Closing Time
45 to 60 Days
Property Use
Investment
Long-Term Permanent Loan
5-Year Ageny Conventional Loan - 55% LTV
Minimum Loan
$10,000,000
Maximum Loan
Not specified
Estimated Rate
5.45% – 5.65%
Maximum LTV
55%
Term
5-Years
Closing Time
45 to 60 Days
Property Use
Investment
Long-Term Permanent Loan
7-Year Agency Conventional Loan - 80% LTV
Minimum Loan
$10,000,000
Maximum Loan
Not specified
Estimated Rate
5.9% – 6.2%
Maximum LTV
80%
Term
7-Years
Closing Time
45 to 60 Days
Property Use
Investment
Long-Term Permanent Loan
7-Year Agency Conventional Loan - 65% LTV
Minimum Loan
$10,000,000
Maximum Loan
Not specified
Estimated Rate
5.65% – 5.95%
Maximum LTV
65%
Term
7-Years
Closing Time
45 to 60 Days
Property Use
Investment
Long-Term Permanent Loan
7-Year Agency Conventional Loan - 55% LTV
Minimum Loan
$10,000,000
Maximum Loan
Not specified
Estimated Rate
5.55% – 5.75%
Maximum LTV
55%
Term
7-Years
Closing Time
45 to 60 Days
Property Use
Investment
Long-Term Permanent Loan
10-Year Agency Conventional Loan - 80% LTV
Minimum Loan
$10,000,000
Maximum Loan
Not specified
Estimated Rate
5.93% – 6.23%
Maximum LTV
80%
Term
10-Years
Closing Time
45 to 60 Days
Property Use
Investment
Long-Term Permanent Loan
10-Year Agency Conventional Loan - 65% LTV
Minimum Loan
$10,000,000
Maximum Loan
Not specified
Estimated Rate
5.73% – 6.03%
Maximum LTV
65%
Term
10-Years
Closing Time
45 to 60 Days
Property Use
Investment
Long-Term Permanent Loan
10-Year Agency Conventional Loan - 55% LTV
Minimum Loan
$10,000,000
Maximum Loan
Not specified
Estimated Rate
5.63% – 5.83%
Maximum LTV
55%
Term
10-Years
Closing Time
45 to 60 Days
Property Use
Investment
Long-Term Permanent Loan
10-Year LifeCo Loan
Minimum Loan
$5,000,000
Maximum Loan
Not specified
Estimated Rate
6.08% – 6.38%
Maximum LTV
75%
Term
10-Years
Closing Time
45 to 60 Days
Property Use
Investment or Owner-User
Long-Term Permanent Loan
10-Year LifeCo Loan
Minimum Loan
$5,000,000
Maximum Loan
Not specified
Estimated Rate
5.83% – 6.08%
Maximum LTV
65%
Term
10-Years
Closing Time
45 to 60 Days
Property Use
Investment or Owner-User
Long-Term Permanent Loan
5-Year LifeCo Loan
Minimum Loan
$5,000,000
Maximum Loan
Not specified
Estimated Rate
5.95% – 6.25%
Maximum LTV
75%
Term
5-Years
Closing Time
45 to 60 Days
Property Use
Investment or Owner-User
Long-Term Permanent Loan
5-Year Bank Loan
Minimum Loan
$300,000
Maximum Loan
$100,000,000
Estimated Rate
5.85% – 7.35%
Maximum LTV
75%
Term
5-Years
Closing Time
45 to 60 Days
Property Use
Investment or Owner-User
Long-Term Permanent Loan
5-Year Family Office Loan
Minimum Loan
$300,000
Maximum Loan
$100,000,000
Estimated Rate
6.65% – 7.1%
Maximum LTV
75%
Term
5-Years
Closing Time
30 to 45 Days
Property Use
Investment or Owner-User
Long-Term Permanent Loan
10-Year Family Office Loan
Minimum Loan
$300,000
Maximum Loan
$100,000,000
Estimated Rate
6.98% – 7.43%
Maximum LTV
75%
Term
10-Years
Closing Time
30 to 45 Days
Property Use
Investment or Owner-User
Long-Term Permanent Loan
25-Year SBA Loan
Minimum Loan
$300,000
Maximum Loan
$5,000,000
Estimated Rate
9.25% – 9.75%
Maximum LTV
90%
Term
25-Years
Closing Time
45 to 60 Days
Property Use
Owner-User
Short-Term Loan
25-Year SBA Construction Loan
Minimum Loan
$300,000
Maximum Loan
$5,000,000
Estimated Rate
9.25% – 9.75%
Maximum LTV
90%
Term
25-Years
Closing Time
45 to 60 Days
Property Use
Owner-User
Ground-Up Construction Loan
25-Year SBA Construction Loan
Minimum Loan
$300,000
Maximum Loan
$5,000,000
Estimated Rate
9.25% – 9.75%
Maximum LTV
90%
Term
25-Years
Closing Time
45 to 60 Days
Property Use
Owner-User
Rehab Loan
25-Year SBA Construction Loan
Minimum Loan
$300,000
Maximum Loan
$5,000,000
Estimated Rate
9.25% – 9.75%
Maximum LTV
90%
Term
25-Years
Closing Time
45 to 60 Days
Property Use
Owner-User
Rehab Loan
1-Year Residential Rehab Loan
Minimum Loan
$200,000
Maximum Loan
$5,000,000
Estimated Rate
8.75% – 10.25%
Maximum LTV
90%
Term
1-Year
Closing Time
Under 30 Days
Property Use
Investment
Rehab Loan
2-Year Residential Rehab Loan
Minimum Loan
$200,000
Maximum Loan
$5,000,000
Estimated Rate
9% – 10.5%
Maximum LTV
90%
Term
2-Years
Closing Time
Under 30 Days
Property Use
Investment
Ground-Up Construction Loan
1-Year Residential Construction Loan
Minimum Loan
$200,000
Maximum Loan
$10,000,000
Estimated Rate
9.25% – 10.25%
Maximum LTV
90%
Term
1-Year
Closing Time
Under 30 Days
Property Use
Investment
Ground-Up Construction Loan
2-Year Residential Construction Loan
Minimum Loan
$200,000
Maximum Loan
$10,000,000
Estimated Rate
9.5% – 10.5%
Maximum LTV
90%
Term
2-Years
Closing Time
Under 30 Days
Property Use
Investment
Ground-Up Construction Loan
1 to 3-Year CRE Construction Loan
Minimum Loan
$300,000
Maximum Loan
$100,000,000
Estimated Rate
8.12% – 8.62%
Maximum LTV
75%
Term
1-Year, 2-Years, 3-Years
Closing Time
30 to 45 Days
Property Use
Investment or Owner-User
Rehab Loan
1 to 3-Year CRE Rehab Loan
Minimum Loan
$300,000
Maximum Loan
$100,000,000
Estimated Rate
8.12% – 8.62%
Maximum LTV
75%
Term
1-Year, 2-Years, 3-Years
Closing Time
30 to 45 Days
Property Use
Investment or Owner-User
Short-Term Loan
1 to 3-Year CRE Bridge Loan
Minimum Loan
$300,000
Maximum Loan
$100,000,000
Estimated Rate
8.12% – 8.62%
Maximum LTV
75%
Term
1-Year, 2-Years, 3-Years
Closing Time
30 to 45 Days
Property Use
Investment or Owner-User
Long-Term Permanent Loan
30-Year DSCR Residential Loan
Minimum Loan
$300,000
Maximum Loan
$2,000,000
Estimated Rate
6.3% – 7.55%
Maximum LTV
80%
Term
30-Years
Closing Time
30 to 45 Days
Property Use
Investment
Document Requirements
Below are the initial documents needed to evaluate real estate financing for multifamily properties. Property owner cannot live in the property.
- Owner Personal Financial Statement
- Schedule Real Estate Owned
- Property Operating Statement / T12
- Rent Roll
- Owner Resume / Bio
- Scope of Work & Budget (If Rehab or Ground-up Construction)
- 3-Years Personal & Business Tax Returns (Bank Loans only)
- Personal tax returns are NOT needed for private loans.
Eligible Property Types: 1 to 4-unit rental properties
- Single Family Rental
- Condo
- Townhome
- Duplex
- Triplex
- Fourplex
- Vacation Rental
