Commercial & Multifamily Real Estate Loans

HUD/FHA Multifamily

Non-recourse, 35-40 year terms, competitive rates. 221(d)(4) for new construction, 223(f) for acquisition/refinance.

Conventional Commercial

5-25 year terms with various amortization schedules. Competitive rates for stabilized properties.

SBA 7(a) and 504

Owner-occupied commercial with as little as 10% down. Long terms and competitive rates.

Bridge and Construction

Short-term financing for value-add, repositioning, or new development projects.

What types of commercial properties do you finance?

We finance multifamily apartments (5+ units), mixed-use properties, self-storage facilities, retail centers, office buildings, industrial properties, and special-purpose commercial real estate. Our sweet spot is multifamily and mixed-use properties in Texas.

Do you offer HUD/FHA multifamily loans?

Yes. We have access to HUD 221(d)(4) new construction/substantial rehabilitation loans and HUD 223(f) acquisition/refinance loans for multifamily properties. These offer some of the best terms available — non-recourse, 35-40 year fully amortizing, and competitive rates.

What is the minimum loan amount for commercial?

Our commercial and multifamily programs typically start at $500,000, with most deals in the $1M-$20M range. For smaller commercial properties, we may have portfolio lender options. Call to discuss your specific deal size.

Do you finance SBA loans?

We work with SBA-approved lenders for 7(a) and 504 loan programs. SBA loans can finance owner-occupied commercial properties with as little as 10% down. We'll help determine if SBA is the right fit for your business and property.

What down payment do I need for a multifamily property?

Down payment requirements for multifamily properties typically range from 20-30% for conventional commercial loans. HUD/FHA multifamily programs may allow higher leverage. Owner-occupied properties may qualify for lower down payments through SBA programs.

Can I finance a mixed-use property (commercial + residential)?

Yes. Mixed-use properties are common in our portfolio. We can finance buildings with ground-floor commercial and upper-floor residential units. The loan program depends on the commercial/residential ratio and your intended use.

Do you offer construction loans for multifamily?

Yes. We have access to construction-to-permanent financing for new multifamily developments. HUD 221(d)(4) is particularly attractive for ground-up multifamily construction, offering non-recourse financing with a single closing.

What are current commercial mortgage rates?

Commercial rates vary significantly based on property type, loan-to-value, borrower experience, and market conditions. Rates are generally higher than residential but terms can be very favorable on strong deals. Call 888-484-1256 for current pricing on your specific scenario.

Do you finance investment properties?

Yes. We finance both owner-occupied and investment commercial properties. Investment properties typically require larger down payments (25-30%) and demonstrate sufficient debt service coverage ratio (DSCR) from rental income.

How long does commercial closing take?

Commercial loan closings typically take 45-90 days depending on deal complexity, property type, and loan program. HUD/FHA multifamily loans take longer (90-120 days) due to government processing. We manage expectations upfront and keep you informed throughout.