Commercial Loans

Our Commercial Residential Loan Program is designed for real estate investors looking to finance income-producing residential properties with five or more units. This program supports long-term ownership strategies by providing flexible financing options for stabilized or near-stabilized assets.

Whether you’re acquiring a new property or refinancing an existing one, we focus on the strength of the asset and its income potential.

Commercial residential loans are underwritten primarily on the property’s cash flow rather than personal income. The loan structure is designed to support rental income performance while offering competitive terms for investors building or expanding a portfolio.

Loans may be used for:

• Purchasing commercial residential properties
   
• Refinancing existing debt
   
• Cash-out refinances on seasoned assets
   

Financing is structured to align with the property’s income, expenses, and long-term investment goals.

This program evaluates:

• Net operating income (NOI)
   
• Debt service coverage ratio (DSCR)
   
• Property condition and location
   
• Borrower experience
   

Our approach allows investors to scale without the limitations of traditional residential lending requirements.

Our Commercial Residential Program is available for:

• 5+ unit apartment buildings
   
• Mixed-use properties with residential income
   
• Small to mid-size multifamily assets
   

Properties may be locally or nationally located, depending on deal strength.

This program is ideal for investors focused on:

• Stable cash flow
   
• Portfolio growth
   
• Refinancing into long-term debt
   
• Reducing exposure to short-term financing
   

We work closely with you to structure financing that supports both performance and longevity.

We specialize in investor-focused financing and understand the nuances of commercial residential real estate. Our role as a private money lender and hard money broker allows us to offer flexible solutions and guide you through the process from application to closing.

Our priority is simple: clear communication, smart structures, and dependable execution.

If you’re considering financing for a commercial residential property, we’re happy to review the opportunity and help determine the best loan structure for your investment.