| Best for | Stabilized income-producing commercial property |
| Loan size | Typically $2M+ |
| Rate | Fixed, priced off Treasuries plus a spread |
| Leverage | Up to about 75% LTV, subject to debt yield and DSCR |
| Term | Usually 5, 7 or 10 years on 25–30 year amortization; interest-only available |
| Recourse | Non-recourse with standard carve-outs |
| Prepayment | Defeasance or yield maintenance |
| Time to close | About 45–75 days |
Typical ranges, not quotes. Final terms depend on the property, the borrower and the lender.
Good fit: stabilized multifamily, retail, office, industrial, hotel and self-storage with steady income.
Not a fit: transitional or vacant property (see Bridge), or owners who need prepayment flexibility.
How it works
- Tell us what you need and what you have. No documents, no credit pull.
- We review the realistic options and walk you through each.
- You choose a path; we send one document list and secure a term sheet.
- We manage underwriting and closing alongside you.
Related programs
Bridge LoansShort-term loans (usually 12–36 months) that get you to the next step: a purchase that has to close fast, a property that isn't stabilized yet, or a refinance while you wait for permanent financing.View programCash-Out RefinanceTurn equity in property you already own into cash for your business, another purchase, or paying off expensive debt like merchant cash advances.View programPortfolio LoansOne loan across several properties, even when they sit in different LLCs.View program