Case Studies

Representative transactions. Structured, placed, and closed.

Anonymized deal highlights across commercial and investor executions. Sponsor and property details omitted; structure and outcome preserved.

Commercial·Central Texas

32-unit multifamily acquisition in a value-add Texas submarket.

Asset: Multifamily · 32 units
Loan amount: $4.2M
Structure: Acquisition · 5-yr fixed
Rate: 6.75%
LTV / LTC: 75%

Challenge

Sponsor was under contract with a tight 30-day close and a lender that pulled terms mid-diligence.

Solution

Repriced and re-placed the debt with a balance-sheet lender that could underwrite the in-place cash flow and lease-up thesis on the vacant units.

Outcome

Closed on the original contract date at 75% LTV, 6.75% fixed, IO for 24 months.

Commercial·Southeast U.S.

Bridge execution on a transitional mixed-use asset.

Asset: Mixed-use · retail + apartments
Loan amount: $3.6M
Structure: Bridge · 18-mo interest-only
Rate: 10.25%
LTV / LTC: 70%

Challenge

Existing loan was maturing on an asset mid-lease-up; conventional refinance was not yet available.

Solution

Structured an 18-month bridge with an integrated rehab reserve and a defined path to a permanent DSCR takeout.

Outcome

Refinanced 14 months later into a 30-year fixed at a lower coupon post-stabilization.

Commercial·Southwest U.S.

Ground-up construction financing for a boutique infill project.

Asset: Ground-up · 24 units
Loan amount: $7.8M
Structure: Construction · 24-mo IO
Rate: 11.5%
LTV / LTC: 70% LTC

Challenge

First-time ground-up sponsor with strong value-add experience but no direct construction relationships.

Solution

Paired sponsor with a construction lender comfortable with the GC and business plan; structured draw mechanics tied to inspection milestones.

Outcome

Vertical delivery on schedule; permanent takeout structured 60 days ahead of C of O.

Investor / DSCR·Florida

SFR portfolio recapitalization for a scaling operator.

Asset: SFR portfolio · 22 doors
Loan amount: $5.1M
Structure: DSCR portfolio · 30-yr
Rate: 7.25%
LTV / LTC: 75%

Challenge

Operator was managing 22 rentals across multiple one-off DSCR loans with mismatched terms and maturities.

Solution

Consolidated the portfolio under a single 30-year DSCR execution with unified reporting and a cash-out component.

Outcome

Freed ~$780K in equity to redeploy into three additional acquisitions in the following quarter.

Investor / DSCR·Georgia

DSCR cash-out refinance on a stabilized rental duplex.

Asset: Small multifamily · 1–4 unit
Loan amount: $385K
Structure: DSCR cash-out · 30-yr fixed
Rate: 7.125%
LTV / LTC: 75%

Challenge

Investor needed liquidity for the next acquisition without triggering personal-income underwriting.

Solution

Qualified the loan on property cash flow, not tax returns, and priced against a DSCR of 1.28x.

Outcome

Closed in 24 days with $92K in tax-deferred cash-out proceeds.

Investor / DSCR·Metro Atlanta

Foreign national execution on a U.S. rental acquisition.

Asset: SFR · single asset
Loan amount: $465K
Structure: Foreign national · 30-yr
Rate: 8.25%
LTV / LTC: 65%

Challenge

Overseas investor with no U.S. credit history looking to acquire a stabilized SFR rental.

Solution

Placed with a foreign-national lending channel that qualifies on asset cash flow and international bank references.

Outcome

Closed at 65% LTV, 30-year term, with a clear path to portfolio expansion.

Transactions are anonymized and shown for illustrative purposes. Structure, pricing, and terms vary by borrower, property, and market conditions. Not a commitment to lend. Terms subject to credit and property approval.

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