LOAN PRODUCTS
Loan Sizes starting at $300,000 to $100MM+
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
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
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
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
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
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
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
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
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
PROPERTY TYPES FINANCED
- Multifamily 5+ Units
- Senior Housing 5+ Units
- Student Housing 5+ Units
- Mobile Home Parks
- RV Parks
- Office
- Retail
- Industrial
- Mixed-Use
- Medical Buildings
- Duplex
- Triplex
- Fourplex
- Single Family Rentals
- Commercial Portfolios
- Assisted Living
- Automotive
- Cannabis
- Church
- Gas Station / Car Wash
- Hotel
- Vacant Land / Agricultural
- Land / Non-Rural
- Marina
- Youth Housing
- Restaurant / Bar
- Self-Storage
- Specialty Use
- Residential Developments
- Residential Portfolios
LOAN PRODUCT OVERVIEW
Institutional Loans
ICS offers Institutional (lowest rate) loans across all property types through Banks, Credit Unions, Agency Lenders, CMBS, and Life Companies. Institutional loans are full-doc, requireming 3-years tax returns, and financials on the property and Borrower.
- Short-Term Bridge Loan
- Long-Term Permanent Loans
- Rehab Loans
- Ground-Up Construction Loans
- SBA Loans
Private Lender Loans
ICS offers Private Lender (higher rate) loans across all property types through Private Wholesale Lenders, Bridge Lenders, and Hard Money Lenders. Private loans typically do not required tax returns.
- Short-Term Bridge Loans
- Long-Term Permanent Loans
- Rehab Loans
- Ground-Up Construction Loans