Rates – Multifamily Mortgage Rates – Commercial Real Estate Rates

MARKET RATES & PROGRAMS

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100+ Loan Programs

ICS offers proprietary loan solutions and arranges financing through hundreds of Lenders, including Banks, Credit Unions, Life Companies, REIT's, Private Lenders, Wholesale, as well as Agency Lenders, including Fannie Mae, Freddie Mac, and FHA.


Conforming Products

> Conforming Loan Guidelines


30-Year Fixed

Loan is fixed for 30-years with 30-year amortization. Step-down prepayment penalty or yield maintenance. Eligible properties include multifamily 5+ units, 1-4 unit residential, office, retail, industrial, manufactured housing, healthcare, student housing, and senior housing.

Max LTV: 80% | Min Credit: 650

Learn More | Submit Loan Request


20-Year Fixed

Loan is fixed for 20-years with 20-year amortization. Step-down prepayment penalty or yield maintenance. Eligible properties include multifamily 5+ units, 1-4 unit residential, office, retail, industrial, manufactured housing, healthcare, student housing, and senior housing.

Max LTV: 80% | Min Credit: 650

Learn More | Submit Loan Request


15-Year Fixed

Loan is fixed for 15-years with 15-year amortization. Step-down prepayment penalty or yield maintenance. Eligible properties include multifamily 5+ units, 1-4 unit residential, office, retail, industrial, manufactured housing, healthcare, student housing, and senior housing.

Max LTV: 80% | Min Credit: 650

Learn More | Submit Loan Request


10-Year Fixed Balloon

Loan is fixed for 10-years with 15, 20 or 30-year amortization. Loan is due at end of 10-year term. Step-down prepayment penalty or yield maintenance. Eligible properties include multifamily 5+ units, 1-4 unit residential, office, retail, industrial, manufactured housing, healthcare, student housing, and senior housing.

Max LTV: 80% | Min Credit: 650

Learn More | Submit Loan Request


7-Year Fixed Balloon

Loan is fixed for 7-years with 15, 20 or 30-year amortization. Loan is due at end of 7-year term. Step-down prepayment penalty or yield maintenance. Eligible properties include multifamily 5+ units, 1-4 unit residential, office, retail, industrial, manufactured housing, healthcare, student housing, and senior housing.

Max LTV: 80% | Min Credit: 650

Learn More | Submit Loan Request


5-Year Fixed Balloon

Loan is fixed for 5-years with 15, 20 or 30-year amortization. Loan is due at end of 5-year term. Step-down prepayment penalty or yield maintenance. Eligible properties include multifamily 5+ units, 1-4 unit residential, office, retail, industrial, manufactured housing, healthcare, student housing, and senior housing.

Max LTV: 80% | Min Credit: 650

Learn More | Submit Loan Request


10-Year Fixed Hybrid

Loan is fixed for initial 10-years with 15, 20 or 30-year amortization. Loan adjusts annually following the 10-year term through maturity, due at the end of the 15, 20, or 30-year loan term. Step-down prepayment penalty or yield maintenance. Eligible properties include multifamily 5+ units, 1-4 unit residential, office, retail, industrial, manufactured housing, healthcare, student housing, and senior housing.

Max LTV: 80% | Min Credit: 650

Learn More | Submit Loan Request


7-Year Fixed Hybrid

Loan is fixed for initial 7-years with 15, 20 or 30-year amortization. Loan adjusts annually following the 7-year term through maturity, due at the end of the 15, 20, or 30-year loan term. Step-down prepayment penalty or yield maintenance. Eligible properties include multifamily 5+ units, 1-4 unit residential, office, retail, industrial, manufactured housing, healthcare, student housing, and senior housing.

Max LTV: 80% | Min Credit: 650

Learn More | Submit Loan Request


5-Year Fixed Hybrid

Loan is fixed for initial 5-years with 15, 20 or 30-year amortization. Loan adjusts annually following the 5-year term through maturity, due at the end of the 15, 20, or 30-year loan term. Step-down prepayment penalty or yield maintenance. Eligible properties include multifamily 5+ units, 1-4 unit residential, office, retail, industrial, manufactured housing, healthcare, student housing, and senior housing.

Max LTV: 80% | Min Credit: 650

Learn More | Submit Loan Request


Non-Conforming FLEX Products

> FLEX Loan Guidelines


30-Year Fixed FLEX Loan

Loan is fixed for 30-years with 30-year amortization. Step-down prepayment penalty. Eligible properties include multifamily 5+ units, 1-4 unit residential, office, retail, industrial, manufactured housing, self-storage, and healthcare. ICS FLEX loans are long-term loans designed for properties/borrowers that just miss conforming guidelines.

Max LTV: 80% | Min Credit: 650

Learn More | Submit Loan Request


15-Year Fixed FLEX Loan

Loan is fixed for 15-years with 15-year amortization. Step-down prepayment penalty. Eligible properties include multifamily 5+ units, 1-4 unit residential, office, retail, industrial, manufactured housing, self-storage, and healthcare. ICS FLEX loans are long-term loans designed for properties/borrowers that just miss conforming guidelines.

Max LTV: 80% | Min Credit: 650

Learn More | Submit Loan Request


5-Year Fixed FLEX Loan

Loan is fixed for initial 5-years with 15 or 30-year amortization. Loan adjusts annually following the 5-year term through maturity, due at the end of the 15 or 30-year loan term. Step-down prepayment penalty. Eligible properties include multifamily 5+ units, 1-4 unit residential, office, retail, industrial, manufactured housing, self-storage, and healthcare. ICS FLEX loans are long-term loans designed for properties/borrowers that just miss conforming guidelines.

Max LTV: 80% | Min Credit: 650

Learn More | Submit Loan Request


Non-Conforming FLEX Residential Portfolio Product


5 to 30-Year Fixed FLEX Residential Portfolio Loan

Loan is fixed for 5, 10 or 30-years with 30-year amortization. Step-down prepayment penalty. Eligible properties include multifamily 5+ units and 1-4 unit residential investment properties. ICS Residential Portfolio Loans are long-term loans for 5 or more properties financed within a single loan. Full-Term, Balloon, and Hybrid options are available. Lite Doc and Full-Doc underwriting available.

Max LTV: 75% | Min Credit: 650

Submit Loan Request


Non-Conforming Bridge Products

> Bridge Loan Guidelines


3-Year Fixed Interest Only Bridge Loan

Loan is fixed for 3-years with interest only amortization. Loan is due at the end of the 3-year loan term. No prepayment penalty. Eligible properties include multifamily 5+ units, 1-4 unit residential, office, retail, industrial, manufactured housing, self-storage, hotels, and healthcare. ICS Bridge Loans are short-term interim loans designed for properties needing stabilization, lease-up, and/or rehab prior to securing long-term conforming financing or disposition.

Max LTV: 65% to 75% | Min Credit: N/A

Learn More | Submit Loan Request


2-Year Fixed Interest Only Bridge Loan

Loan is fixed for 2-years with interest only amortization. Loan is due at the end of the 2-year loan term. No prepayment penalty. Eligible properties include multifamily 5+ units, 1-4 unit residential, office, retail, industrial, manufactured housing, self-storage, hotels, and healthcare. ICS Bridge Loans are short-term interim loans designed for properties needing stabilization, lease-up, and/or rehab prior to securing long-term conforming financing or disposition.

Max LTV: 65% to 75% | Min Credit: N/A

Learn More | Submit Loan Request


1-Year Fixed Interest Only Bridge Loan

Loan is fixed for 1-year with interest only amortization. Loan is due at the end of the 1-year loan term. No prepayment penalty. Eligible properties include multifamily 5+ units, 1-4 unit residential, office, retail, industrial, manufactured housing, self-storage, hotels, and healthcare. ICS Bridge Loans are short-term interim loans designed for properties needing stabilization, lease-up, and/or rehab prior to securing long-term conforming financing or disposition.

Max LTV: 65% to 75% | Min Credit: N/A

Learn More | Submit Loan Request


Non-Conforming Fix & Flip Product

> Fix & Flip Guidelines


12 to 18-Month Fixed Interest Only Fix & Flip - Rehab Loan

Loan is fixed for 12 to 18-months with interest only amortization. Loan is due at the end of the 12 to 18-month term. No prepayment penalty. Eligible properties include multifamily 5+ units, 1-4 unit residential, and condos. ICS Fix & Flip - Rehab Loans are short-term interim loans designed for properties needing minor to major renovations (not new construction) prior to securing long-term financing or disposition.

Max LTV: 90% to 100% | Max ARV: 75% | Max LTC: 90% to 100% | Min Credit: 620

Learn More | Submit Loan Request


Non-Conforming Construction Products


3-Year Fixed Interest Only Construction Loan

Loan is fixed for 3-years with interest only amortization. Loan is due at the end of the 3-year term. No prepayment penalty in most cases. Eligible properties include multifamily 5+ units, 1-4 unit residential, condos, office, retail, industrial, manufactured housing, self-storage, hotels, and healthcare. ICS Construction Loans are short-term interim loans designed for new constructions projects prior to securing long-term financing or disposition.

Max LTV: 90% | Max ARV: 75% | Max LTC: 80% to 100% | Min Credit: 650

Submit Loan Request


2-Year Fixed Interest Only Construction Loan

Loan is fixed for 2-years with interest only amortization. Loan is due at the end of the 2-year term. No prepayment penalty in most cases. Eligible properties include multifamily 5+ units, 1-4 unit residential, condos, office, retail, industrial, manufactured housing, self-storage, hotels, and healthcare. ICS Construction Loans are short-term interim loans designed for new constructions projects prior to securing long-term financing or disposition.

Max LTV: 90% | Max ARV: 75% | Max LTC: 80% to 100% | Min Credit: 650

Submit Loan Request


1-Year Fixed Interest Only Construction Loan

Loan is fixed for 1-year with interest only amortization. Loan is due at the end of the 1-year term. No prepayment penalty in most cases. Eligible properties include multifamily 5+ units, 1-4 unit residential, condos, office, retail, industrial, manufactured housing, self-storage, hotels, and healthcare. ICS Construction Loans are short-term interim loans designed for new constructions projects prior to securing long-term financing or disposition.

Max LTV: 90% | Max ARV: 75% | Max LTC: 80% to 100% | Min Credit: 650

Submit Loan Request


Conforming SBA Product


SBA Loan

Loan is adjustable for 25 to 30-years with 15 to 30-year amortization. Eligible properties include business owner-occupied office, retail, industrial, self-storage, hotels, specialty use, automotive, and healthcare/medical. ICS SBA Loans are long-term loans designed for properties/borrowers that need owner-user financing for properties they intend to occupy 51% or more of the usable square footage. Non-owner tenant rental income is not factored into the DSCR. The owner's business net operating income must cover the debt service regardless of tenant rental income.

Max LTV: 90% | Min Credit: 680

Submit Loan Request