We offer many different types of loan products for commercial lending and residential investment lending. Our loan programs are designed to suit the need of nearly every Real Estate Investor: Small Balance Commercial, Fannie Mae and Freddie Mac multifamily Agency, HUD Multifamily Agency, Commercial CMBS, Non-Bank Commercial, SBA 504 and SBA 7a, Residential Rental, Exposure Lines of credit, Blanket Loan, Commercial Bridge Loan, Residential Bridge, Multifamily Bridge, Fix N Flip, Fix 2 Rent and Airbnb & Short-term Rental Financing. Please see our loan programs for complete descriptions of each.

We are committed to closing your loan as quickly as possible. Each program is different; however, we can typically close a loan between 14 to 45 days from receipt of your loan request.

Yes, we provide funding for start-up businesses under the SBA loan programs.

Retail, Office, Hotel, Motel, Industrial, Warehouse, Restaurant, Bar, Assisted Living, Self-storage, Multifamily, Apartment, Short-term Rental, Single Family Residential, Automotive, Condos, Townhouse, Child Care Centers, Duplex – 2 unit, Triplex – 3 unit, Quadplex 4 – unit and many more.

The debt coverage ratio (DCR) is the ratio between the property’s Net Operating Income (NOI) for the year and the Annual Debt Service (Principal, Interest annual mortgage payment).

Debt Coverage Ratio = Annual Net Operating Income/Annual Debt Service

Net Operating Income is the property’s gross operating income less the sum of all operating expenses.

Net Operating Income = Gross Operating Expenses (-) Operating Expenses

The Capitalization Rate (Cap Rate) is used to express the relationship between a property’s value and its Net Operating Income (NOI) for the current or coming year.

Capitalization Rate = Net Operating Income/Current Market Value
Value = Net Operating Income/Capitalization Rate
Net Operating Income = Current Market Value x Capitalization Rate