Commercial Property
Long-term capital. No balloon.
A national program designed for real estate investors seeking lower payments on a long-term, fixed-rate loan with no balloon payment.
What is it?
What is a Commercial Property Loan?
A long-term, fixed-rate loan for commercial and multifamily investors — underwritten on property value rather than personal income. Great for self-employed investors and small business owners who want stable payments without a balloon.
Loan Parameters
Rate Type
30-Year Fixed
Interest-Only Period
Up to 10 Years
Balloon Payment
None
Par pricing and rebates available. Speak to our team about terms tailored to your deal.
Qualifications
- 660 credit score+
- No tax returns
- No DSCR requirement
- New and experienced investors
Required Documents
- LLC or entity documents
- EIN
- Operating Agreement
- Business Bank Account
- Property information and financials
- Insurance (or quote)
Coverage
National program — nationwide lending
Key Features
- 30-year fixed rate
- Interest-only payments up to 10 years
- Great for qualifying self-employed investors and small business owners
- Based on property value, not personal income
- Par pricing, rebates available
Ideal Client Profile
Is this loan right for you?
- Investor seeking long-term stability
- Self-employed or small business owner
- Portfolio holder wanting lower long-term payments
- Owner of investor 1–4, multifamily, mixed-use, or commercial property
Why clients choose us
- "This is a 30-year fixed loan with no balloon — perfect for long-term holds."
- "No tax returns and no DSCR requirement means we can qualify a wider range of investors."
- "Interest-only up to 10 years keeps your payments low while you grow."
Pro Tips
- Great for stabilizing rental portfolios and cash-flowing assets
- Ideal replacement for balloon-heavy short-term loans
- Mixed-use and 5+ unit multifamily welcome
- Talk to us early about property types and eligibility
Disclosures
- • Property types: Investor 1–4 (SFR, condo, 2–4 units), multifamily (5+ units), mixed-use, and commercial (office, retail, warehouse).
- • All loans subject to underwriting approval. Rates and terms vary by market and deal profile.
Ready to fund your next deal?
Start a quick application in minutes. Our lending partners will match you with the right program for your project.