Large-Scale Lending for Serious Operators.
From 5-unit multifamily to $50MM commercial assets — no personal income required, non-recourse available.
Loan Terms
| Loan Amount | $1,000,000 – $50,000,000 |
| LTV (Purchase) | Up to 75% |
| LTV (Refinance) | Up to 70% |
| Minimum DSCR | 1.20x |
| Minimum Credit Score | 650 |
| Loan Terms | 5, 7, or 10-Year Fixed |
| Amortization | 25–30 Years |
| Interest Only | Available |
| Non-Recourse | Yes (case-by-case) |
| Income Verification | None Required |
| Recourse Options | Full recourse or non-recourse with carve-outs |
Qualifying Asset Types
How It Works
Submit Your Deal
Share property details, financials, and a rent roll. We move quickly and respect your time.
Term Sheet
We issue a non-binding term sheet within 48 hours of receiving a complete package.
Due Diligence
Third-party appraisal, environmental (if required), title, and legal review. We coordinate everything.
Close & Fund
Loan documents executed and funds wired. We close deals that others pass on.
Example Deal Walkthrough
The Property
- 32-unit multifamily in Atlanta, GA
- Purchase price: $4,800,000
- Gross monthly rent: $48,000
- Monthly PITIA: $32,000
- DSCR: 1.50x ✓
The Loan
- Loan amount: $3,600,000 (75% LTV)
- Term: 7-Year Fixed
- Amortization: 30 years
- Rate: Competitive — based on DSCR + LTV
- Non-recourse: Yes (qualified borrower)
This is a representative example. Actual terms vary based on property, borrower, and market conditions.
Common Questions
What is the minimum DSCR for commercial loans?
We require a minimum 1.20x DSCR on commercial assets. Higher DSCR may qualify for better pricing.
What does non-recourse mean?
Non-recourse means the lender's only recourse in the event of default is the property itself — not the borrower's personal assets. We offer non-recourse on a case-by-case basis for qualifying commercial assets.
Do you lend on value-add commercial properties?
Yes. We can structure bridge-to-perm or transitional loans for stabilizing assets, priced based on in-place cash flow with underwritten upside.
What is the largest loan you will do?
We have the capacity to lend up to $50,000,000 on a single asset and can discuss syndication for larger deals.
How do you handle rent rolls with multiple tenants?
We underwrite the in-place rent roll, discount for vacancy, and apply a market vacancy factor. NNN leases with strong credit tenants can receive favorable treatment.