Loan Matcher
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Required Docs
- Credit/Background Check for all principals with at least a 20% ownership interest
- Bank Statements/Investment Accounts to cover cash to close
- Personal Financial Statement (PFS) and List of Real Estate Owned (REO)
- Entity Docs – Articles of Organization/Operating Agreement
- Insurance Quote
Required Docs
- Credit/Background Check for all principals with at least a 20% ownership interest
- Bank Statements/Investment Accounts to cover cash to close
- Personal Financial Statement (PFS) and List of Real Estate Owned (REO)
- Entity Docs – Articles of Organization/Operating Agreement
- Insurance Quote
Required Docs
- Credit/Background Check for all principals with at least a 20% ownership interest
- Bank Statements/Investment Accounts to cover cash to close
- Personal Financial Statement (PFS) and List of Real Estate Owned (REO)
- Entity Docs – Articles of Organization/Operating Agreement
- Insurance Quote
Required Docs
- Credit/Background Check for all principals with at least a 20% ownership interest
- Bank Statements/Investment Accounts to cover cash to close
- Personal Financial Statement (PFS) and List of Real Estate Owned (REO)
- Entity Docs – Articles of Organization/Operating Agreement
- Insurance Quote
Required Docs
- Credit/Background Check for all principals with at least a 20% ownership interest
- Bank Statements/Investment Accounts to verify funds for equity and reserves
- Personal Financial Statement (PFS) and Schedule of Real Estate Owned (REO)
- Entity Docs – Articles of Organization/Operating Agreement
- Business Plan and Pro Forma (including rent roll and operating statements)
- Insurance Quote
Required Docs
- Credit/Background Check for all principals with at least a 20% ownership interest
- Bank Statements/Investment Accounts to verify funds for equity and reserves
- Personal Financial Statement (PFS) and Schedule of Real Estate Owned (REO)
- Entity Docs – Articles of Organization/Operating Agreement
- Business Plan and Pro Forma (including rent roll and operating statements)
- Insurance Quote
Required Docs
- Credit/Background Check for all principals with at least a 20% ownership interest
- Bank Statements/Investment Accounts to verify funds for equity and reserves
- Personal Financial Statement (PFS) and Schedule of Real Estate Owned (REO)
- Entity Docs – Articles of Organization/Operating Agreement
- Business Plan and Pro Forma (including rent roll and operating statements)
- Insurance Quote
Single Family DSCR Loans
DSCR Loans are designed for real estate investors who want to scale their portfolio without traditional income documentation. Qualify based on rental cash flow, not your tax returns.
Highlights
- Occupancy Restrictions: DSCR loans are for investment properties ONLY, primary residences are not eligible
- Down Payment: 20–25% minimum
- DSCR Requirements: 1.05 minimum (1.25+ for most favorable terms)
- Experience Requirements: None required; favorable terms for experienced borrowers
- Property Types: 1–4 unit rentals, multifamily, mixed-use, short-term rentals
- Typical Closing: 10–21 business days
Why DSCR Loans?
- Qualify based on property income, not personal tax returns
- Perfect for full-time investors and portfolio growth
- Fast closings with less documentation
- Available nationwide for all major property types
Vacant Units
Purchase
- Vacant units are allowed on 2–4 unit properties
- All units may be vacant if rent-ready
- Appraiser’s market rent will be used to calculate DSCR
Refinance
- Only one vacant unit is allowed
- Appraiser’s market rent will be used for the vacant unit
Required Docs
- Credit/Background Check for all principals with at least a 20% ownership interest
- Bank Statements/Investment Accounts to cover cash to close
- Personal Financial Statement (PFS) and List of Real Estate Owned (REO)
- Entity Docs – Articles of Organization/Operating Agreement
- Insurance Quote
Bridge Loans
Bridge loans are short-term financing solutions designed to “bridge” the gap between immediate funding needs and long-term financing. They’re often used by real estate investors and businesses to move quickly on time-sensitive opportunities without waiting for conventional loan approvals. The loan of choice for add value properties, where up to 100% of rehab costs are provided. Perfect solution for buy and hold scenarios where an investor is looking to acquire an add value asset, create value through rehab, development and/or lease up, and then refinance the asset to recapture much of their initial investment.
Highlights
- Occupancy Restrictions: Investment properties ONLY
- Loan Term: Typically 12–24 months (extensions possible)
- Down Payment: 10% minimum
- Experience Requirements: None required; favorable terms start at 3+ flips or rehab + refi within 2 years
- Typical Closing: 5–21 business days
Why Bridge Loans?
- Move quickly on time-sensitive purchases
- Ideal for properties needing rehab or stabilization before permanent financing
- Minimal income documentation compared to conventional loans
- Flexible underwriting focused on asset and exit plan
- Option to finance rehab, development, and/or lease-up costs
Required Docs
- Credit/Background Check for all parties with at least a 20% share
- Bank Statements/Investment Accounts to cover cash to close
- Personal Financial Statement (PFS) and List of Real Estate Owned (REO)
- Entity Docs – Articles of Organization/Operating Agreement
- Scope of Work – If taking funds for Rehab
- Insurance Quote
Traditional Mortgages
Traditional mortgages are long-term home loans that may or may not be insured or guaranteed by the federal government. They are offered by banks, credit unions, and mortgage companies and typically follow guidelines set by Fannie Mae and Freddie Mac. Known for competitive interest rates and a wide range of term options, these loans are a popular choice for borrowers with stable income and strong credit profiles.
Traditional mortgages include: Conventional, FHA, VA, and more
Traditional mortgages include: Conventional, FHA, VA, and more
Highlights
- Occupancy Options: Primary residence, second homes, and investment properties
- Loan Term: Commonly 15, 20, or 30 years (fixed or adjustable rates)
- Down Payment: As low as 3% for Primary Home Owners on 1–4 unit properties, 15% for single family investments, and 25% for 2–4 family investments
- Credit Requirements: Typically 620+ FICO score
- Typical Closing: 30–45 days
Why Traditional Mortgages?
Pros
- Competitive fixed or adjustable interest rates
- Wide range of loan terms and repayment options
- Lower overall borrowing costs for well-qualified borrowers
- No pre-payment penalties
Cons
- Fannie and Freddie Guidelines Very Restrictive
- Significantly More Documentation Required to Close
- Longer Closing Times
- In Multiple Offer Scenario, Conventional Mortgages are Less Competitive than DSCR Loans
Required Docs
- Credit Report for All Borrowers
- 3 Most Recent Paystubs
- At Least 2 Years Tax Returns and W-2s
- Bank Statements to Verify Cash To Close + Reserves
- Employment Verification
- Purchase and Sale Agreement
- Homeowners Insurance Quote
Multifamily & Mixed-Use DSCR Loans
DSCR Loans for commercial multifamily and mixed-use properties are designed for real estate investors seeking to expand their portfolios without traditional income documentation. Qualification is based on the property’s net operating income and debt service coverage ratio (DSCR), rather than personal tax returns.
Note: The 5-8 unit asset class is a very specific niche that allows for more favorable rates and lower down payments compared to 9+ multifamily and mixed use assets.
Note: The 5-8 unit asset class is a very specific niche that allows for more favorable rates and lower down payments compared to 9+ multifamily and mixed use assets.
Highlights
- Occupancy Restrictions: Investment properties ONLY
- Down Payment: 12% minimum
- DSCR Requirements: 1.20 minimum (1.25+ for most favorable terms)
- Experience Requirements: Typically 3+ rental properties owned
- Property Types: Specifically 5-8 unit multifamily and mixed-use assets
- Typical Closing: 10-21 business days
Why DSCR Loans?
- Qualify based on property net operating income, not personal tax returns
- Ideal for scaling into larger multifamily assets
- Available nationwide for qualifying commercial multifamily properties
Vacancy Guidelines
Purchase
- Vacancies allowed; underwriting will be based on lesser of in-place income and appraised market rents
- Value-add and lease-up scenarios may be considered with appropriate reserves and business plan
- Appraiser’s market rent and operating expense estimates will be used for DSCR calculation
Refinance
- Vacancies allowed subject to lender’s DSCR and stabilization requirements
- For destabilized properties, interest reserves may be required until DSCR minimum is met
Required Docs
- Credit/Background Check for all principals with at least a 20% ownership interest
- Bank Statements/Investment Accounts to cover cash to close
- Personal Financial Statement (PFS) and List of Real Estate Owned (REO)
- Entity Docs – Articles of Organization/Operating Agreement
- Insurance Quote
Commercial Bridge Loans
Commercial bridge loans are short-term financing solutions designed to “bridge” the gap between immediate funding needs and long-term financing for larger commercial properties. They’re often used by commercial real estate investors to act quickly on time-sensitive opportunities without waiting for conventional loan approvals. These loans are ideal for value-add commercial assets, where up to 100% of rehab or tenant improvement costs may be provided. They are a strategic solution for acquiring, improving, stabilizing, or repositioning a property before refinancing into permanent financing.
Highlights
- Property Types: 5+ unit multifamily, office, retail, industrial, mixed-use, hospitality, and special-use commercial properties
- Down Payment: 12% minimum
- Loan Term: Typically 12–24 months (extensions possible)
- Experience Requirements: At least 3 flips or rehabs within the previous 2 years (Rehab projects verified by documented refinances on the renovated property)
- Typical Closing: 10–21 business days, largely driven by appraisal lead time
Why Commercial Bridge Loans?
- Move quickly on time-sensitive commercial acquisitions
- Finance properties needing renovation, repositioning, or lease-up before permanent financing
- Flexible underwriting focused on asset value, business plan, and exit strategy
- Potential to finance rehab, tenant improvements, and lease-up costs
- Available nationwide for a wide range of commercial asset classes
Required Docs
- Credit/Background Check for all principals with at least a 20% ownership interest
- Bank Statements/Investment Accounts to verify funds for equity and reserves
- Personal Financial Statement (PFS) and Schedule of Real Estate Owned (REO)
- Entity Docs – Articles of Organization/Operating Agreement
- Business Plan and Pro Forma (including rent roll and operating statements)
- Scope of Work – If financing renovations or tenant improvements
- Insurance Quote
Fannie & Freddie Agency Loans
Agency loans through Fannie Mae and Freddie Mac are long-term, non-recourse financing solutions for qualifying commercial income-producing properties, particularly in the multifamily sector. While these programs focus primarily on multifamily, certain mixed-use properties with a strong residential component may qualify; however, pure office, retail, or industrial buildings typically do not qualify for agency programs. These loans offer competitive interest rates, standardized underwriting, and are backed by the federal government, making them a popular choice for stabilized assets with strong performance.
Agency loans include: Fannie Mae DUS, Freddie Mac Optigo, and related programs
Agency loans include: Fannie Mae DUS, Freddie Mac Optigo, and related programs
Highlights
- Property Types: Primarily 5+ unit multifamily properties; certain mixed-use, student housing, senior housing, and manufactured housing communities may qualify
- Loan Term: Commonly 5, 7, 10, or 12 years (fixed or adjustable rates) with amortizations up to 30 years, and loans can often be structured with 1-4 year Interest Only periods
- Down Payment: Typically 20–35% minimum depending on asset type and market
- DSCR Requirements: Generally 1.30–1.35+ for most favorable terms
- Occupancy Requirements: Typically 90% physical occupancy for the prior 90 days
- Typical Closing: 45–60 days
Why Agency Loans for Commercial Assets?
Pros
- Competitive fixed or adjustable interest rates
- Non-recourse financing for qualified sponsors
- Longer amortizations reduce annual debt service
- Nationwide availability with standardized underwriting
- Loans are typically assumable, subject to review and approval of the new borrower’s financial capacity and experience
Cons
- Strict eligibility and property condition requirements
- Significant documentation and third-party reporting required
- Slower closing timelines compared to bridge or bank loans
- Limited flexibility for destabilized or value-add properties
- Not applicable for pure office, retail, or industrial assets
Required Docs
- Borrower Financial Statements and Schedule of Real Estate Owned (REO)
- Two Years Property Operating Statements and Current Rent Roll
- Appraisal, Phase I Environmental Report, and Property Condition Assessment
- Organizational Documents for Borrowing Entity
- Evidence of Liquidity and Net Worth Requirements
- Purchase and Sale Agreement (for acquisitions)
- Insurance Quote meeting agency coverage requirements
Commercial DSCR Loans
DSCR Loans for commercial properties are designed for real estate investors seeking to acquire, refinance, or reposition income-producing assets without relying on traditional income documentation. Qualification is based primarily on the property’s net operating income and debt service coverage ratio (DSCR), rather than personal tax returns. However, for the most competitive interest rates and terms, lenders may require Tax Returns to conduct a global review of the borrower's overall financial strength. No tax return DSCR loans for commercial assets can be 1-2% higher in rate.
Highlights
- Occupancy Restrictions: Investment properties ONLY
- Down Payment: Typically 20–35% minimum, depending on asset type and market conditions
- DSCR Requirements: 1.20 minimum (1.25+ for most favorable terms)
- Experience Requirements: None required; favorable terms for experienced commercial investors and operators
- Property Types: Office, retail, industrial, warehouse, hospitality, mixed-use, 5+ unit multifamily, and other income-producing commercial assets
- Typical Closing: 20–30 business days, largely driven by appraisal lead time
Why DSCR Loans for Commercial Properties?
- Qualify based on property net operating income, not personal tax returns
- Flexible underwriting for stabilized, value-add, and repositioning scenarios
- Competitive terms for a wide range of commercial asset classes
- Available nationwide for qualifying income-producing commercial properties
Vacancy Guidelines
Purchase
- Vacancies allowed; underwriting will be based on the lesser of in-place income or appraised market rents
- Value-add, redevelopment, and lease-up scenarios considered with appropriate reserves and business plan
- Appraiser’s market rent and operating expense estimates will be used for DSCR calculation
Refinance
- Vacancies allowed subject to lender’s DSCR and stabilization requirements
- For destabilized properties, interest reserves may be required until DSCR minimum is met
Required Docs
- Credit/Background Check for all principals with at least a 20% ownership interest
- Bank Statements/Investment Accounts to cover cash to close
- Personal Financial Statement (PFS) and List of Real Estate Owned (REO)
- Entity Docs – Articles of Organization/Operating Agreement
- Insurance Quote
Commercial Bridge Loans
Commercial bridge loans are short-term financing solutions designed to “bridge” the gap between immediate funding needs and long-term financing for larger commercial properties. They’re often used by commercial real estate investors to act quickly on time-sensitive opportunities without waiting for conventional loan approvals. These loans are ideal for value-add commercial assets, where up to 100% of rehab or tenant improvement costs may be provided. They are a strategic solution for acquiring, improving, stabilizing, or repositioning a property before refinancing into permanent financing.
Highlights
- Property Types: 5+ unit multifamily, office, retail, industrial, mixed-use, hospitality, and special-use commercial properties
- Down Payment: 12% minimum
- Loan Term: Typically 12–24 months (extensions possible)
- Experience Requirements: At least 3 flips or rehabs within the previous 2 years (Rehab projects verified by documented refinances on the renovated property)
- Typical Closing: 10–21 business days, largely driven by appraisal lead time
Why Commercial Bridge Loans?
- Move quickly on time-sensitive commercial acquisitions
- Finance properties needing renovation, repositioning, or lease-up before permanent financing
- Flexible underwriting focused on asset value, business plan, and exit strategy
- Potential to finance rehab, tenant improvements, and lease-up costs
- Available nationwide for a wide range of commercial asset classes
Required Docs
- Credit/Background Check for all principals with at least a 20% ownership interest
- Bank Statements/Investment Accounts to verify funds for equity and reserves
- Personal Financial Statement (PFS) and Schedule of Real Estate Owned (REO)
- Entity Docs – Articles of Organization/Operating Agreement
- Business Plan and Pro Forma (including rent roll and operating statements)
- Scope of Work – If financing renovations or tenant improvements
- Insurance Quote
Fannie & Freddie Agency Loans
Agency loans through Fannie Mae and Freddie Mac are long-term, non-recourse financing solutions for qualifying commercial income-producing properties, particularly in the multifamily sector. While these programs focus primarily on multifamily, certain mixed-use properties with a strong residential component may qualify; however, pure office, retail, or industrial buildings typically do not qualify for agency programs. These loans offer competitive interest rates, standardized underwriting, and are backed by the federal government, making them a popular choice for stabilized assets with strong performance.
Agency loans include: Fannie Mae DUS, Freddie Mac Optigo, and related programs
Agency loans include: Fannie Mae DUS, Freddie Mac Optigo, and related programs
Highlights
- Property Types: Primarily 5+ unit multifamily properties; certain mixed-use, student housing, senior housing, and manufactured housing communities may qualify
- Loan Term: Commonly 5, 7, 10, or 12 years (fixed or adjustable rates) with amortizations up to 30 years, and loans can often be structured with 1-4 year Interest Only periods
- Down Payment: Typically 20–35% minimum depending on asset type and market
- DSCR Requirements: Generally 1.30–1.35+ for most favorable terms
- Occupancy Requirements: Typically 90% physical occupancy for the prior 90 days
- Typical Closing: 45–60 days
Why Agency Loans for Commercial Assets?
Pros
- Competitive fixed or adjustable interest rates
- Non-recourse financing for qualified sponsors
- Longer amortizations reduce annual debt service
- Nationwide availability with standardized underwriting
- Loans are typically assumable, subject to review and approval of the new borrower’s financial capacity and experience
Cons
- Strict eligibility and property condition requirements
- Significant documentation and third-party reporting required
- Slower closing timelines compared to bridge or bank loans
- Limited flexibility for destabilized or value-add properties
- Not applicable for pure office, retail, or industrial assets
Required Docs
- Borrower Financial Statements and Schedule of Real Estate Owned (REO)
- Two Years Property Operating Statements and Current Rent Roll
- Appraisal, Phase I Environmental Report, and Property Condition Assessment
- Organizational Documents for Borrowing Entity
- Evidence of Liquidity and Net Worth Requirements
- Purchase and Sale Agreement (for acquisitions)
- Insurance Quote meeting agency coverage requirements
Loan Matcher
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