Short-term and mid-term financing for apartment buildings and mixed-use property. Bigger loans, longer underwriting, and a commercial component the 1–4 unit programs will not touch.
Maximum leverage available. Your file lands somewhere inside these boundaries based on credit, experience, occupancy, and the asset.
| Program | Purchase | Refinance | Cash-out | Term | Min FICO |
|---|---|---|---|---|---|
| Short-term / bridge | 75% | 70% | 65% | 12–18 mo | 650 |
| Short-term with rehab | 80% + 100% reno | 75% + 100% reno | 70% + 100% reno | 12–18 mo | 650 |
| Rental, mid-term | 75% | 70% | 65% | Mid-term | 700 |
Mixed-use rules are the tightest part of this program. Commercial space is limited to retail, restaurant, or office use and generally has to stay under half the building area, with unit caps that tighten as the building gets smaller — one commercial unit on a 2–3 unit building, two on a 4–5, three on a 6–8. Vacant commercial space is not accepted. Rental money here is mid-term with a thirty-year amortization schedule, not a thirty-year term — the balance comes due well before the loan amortizes, so underwrite your refinance or sale to that date. Some rental programs cap out at nine units, and some exclude mixed-use entirely; tell us the unit mix early and we will route it accordingly. Rental loans above roughly $400K price best.
Same math we run on a file. Nothing is submitted or saved.
Enter a rate to see payment and coverage. Leave it blank and the leverage tests still run.
Leverage flags compare against the highest figure available across the programs we work with. A flagged number is not a decline — it means the loan you entered is above what any program will fund at that value, so either the loan comes down or more cash goes in.
Term sheet in one business day. No application fee, no credit pull to get pricing.