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Multifamily Term Loans (5 to 10 Units)

No upfront fees, income verification, or tax returns 

Nationwide in 42 States

Primary, secondary and rural   

Single property loan amount: $250,000 to $3 million per property

Portfolio loan amount: $500,000 to $20 million+ ($75,000+ per property) 

Cash-out, refinance and purchase to 70% LTV

Competitive fixed interest rates  

Rate locks

30-year fixed or 5/6, 7/6,10/6 ARMs (partial interest only or 30-year amortization)

DSCR: 1.20X to 1.40X+ (varies with location (top, standard, small, and very small)

Credit: 680+

No vacation or seasonal rentals

Minimum occupancy: 90% by unit count

Leased units: lower of in place or market rent

Unleased units: 90% of market rent (purchase only)

Origination varies 

Prepay: 5/4/3/2/1/0, 1 year and no prepay options

Appraisal required

Liquidity: cash to close and interest reserves

Loans close in LLC, corporation name

Recourse or non-recourse with bad-boy carve-outs

No bankruptcy, foreclosure, short sales or deed in lieu last 2 years

First lien; no subordinated debt permitted

U.S.A. citizens, permanent resident aliens and foreign nationals welcome

Click the GET STARTED Link for PRE-APPROVAL within 48 hours for qualified borrowers.

No upfront fees, tax returns, income verification, credit cards, Social Security Numbers or credit checks are required for PRE-APPROVAL.

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