Programs
Loan Programs Matrix.
A side-by-side view of every program we structure — indicative pricing, leverage, and term as of July 2026. Every deal is scenario-priced; the ranges below anchor the conversation.
Rate ranges are administrator-reviewed, illustrative market guidance as of July 2026 and are not a commitment to lend.
| Program | Best for | Rate outlook | LTV / LTC | Term | Amortization | Size range |
|---|---|---|---|---|---|---|
| DSCR — 30-yr fixed | Single-property rental acquisitions & refis; qualifies on property cash flow. | 6.125% – 7.875% | up to 80% | 30-yr fixed | 30 yr | $100K – $3M |
| DSCR — cash-out refi | Pulling equity from stabilized rentals to redeploy across the portfolio. | 6.75% – 8.50%+ | up to 75% | 30-yr fixed | 30 yr | $100K – $3M |
| SFR portfolio | Aggregating 5+ rentals under a single execution for scaled operators. | 7% – 10%+ | up to 75% | 5 / 7 / 10-yr | 30 yr | $500K – $20M |
| Foreign national / non-DSCR | Overseas investors purchasing U.S. investment real estate. | 6.875% – 8.50%+ | 65% – 75% | 30-yr fixed | 30 yr | $150K – $5M |
| Commercial — acquisition | Multifamily, mixed-use, office, retail, industrial acquisitions. | 7% – 10%+ | 65% – 75% | 5 / 7 / 10-yr | 25 – 30 yr | $500K – $20M |
| Commercial — refinance | Rate-term and cash-out refi on stabilized commercial assets. | 7% – 10%+ | 65% – 75% | 5 / 7 / 10-yr | 25 – 30 yr | $500K – $20M |
| Bridge | Transitional assets — lease-up, light rehab, repositioning inside 12–24 mo. | Starting at 8.5% | up to 75% LTC · 100% rehab | 12 – 24 mo | Interest-only | $500K – $20M |
| Construction | Ground-up and vertical construction for qualified sponsors. | Starting at 8.5% | up to 90% LTC | 12 – 24 mo | Interest-only | $1M – $20M |
| CMBS / conduit | Non-recourse fixed-rate execution on stabilized institutional-quality commercial assets. | 6.50% – 8.00% | 65% – 75% | 5 / 7 / 10-yr | 30 yr | $2M – $20M+ |
Rate ranges are administrator-reviewed, illustrative market guidance as of July 2026 and are not a commitment to lend. Final pricing depends on asset type, leverage, DSCR, sponsor experience, occupancy, reserves, and lender guidelines.
Interactive
Size a program in real time.
Pick a program, set the value and loan request, and see indicative sizing. Click any row in the matrix above to load it here.
Sized at the indicative midpoint rate for dscr — 30-yr fixed (7.000%, 30 yr). Final pricing depends on the deal, the lender, and market conditions at lock.
Leverage guidance varies by property type, experience, and lender appetite. We'll confirm the right structure before anything is submitted.
Illustrative only — not a quote, approval, or commitment to lend. Payments, DSCR, and eligibility are determined by lender underwriting, appraisal, and final loan approval.
Ready to move
Which program fits your deal?
Send the summary — we'll come back with the structure and indicative terms.
- Servicing 48 States