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.
Why investors choose this program
- 30-year fixed with no balloon and no refinance deadline
- Interest-only for up to 10 years to protect early cash flow
- Purchase, rate-and-term refinance, and cash-out refinance
- Typically up to 75% loan-to-value, depending on property and market
- Title held in an LLC, LP, or corporation
- Nationwide lending for new and experienced investors
What we fund
Income-producing, business-purpose properties. Owner-occupied residences are not eligible.
Residential Investment
Investor 1–4 properties including single-family, condo, and 2–4 unit buildings held for rental income.
Multifamily & Mixed-Use
Apartment buildings of 5+ units and mixed-use properties combining retail or office with residential.
Commercial Assets
Office, retail, warehouse, light industrial, self-storage, automotive, and special-use properties considered case by case.
Loan Parameters
Loan Range
$100K – $30M
Rate Type
30-Year Fixed
Interest-Only Period
Up to 10 Years
Balloon Payment
None
Typical Rate Range
6.50%–9.00%*
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)
- Title, Insurance & Closing Information form (download below)
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
Soft credit check first — no impact to your score.
Checking what you qualify for uses a soft credit inquiry only and does not affect your credit score. A hard inquiry happens later, at or near closing, only with your written authorization and only if the lender requires it.
Required: Title, Insurance & Closing Information form
We begin Title (TCR) and Insurance (EOI) requests immediately upon receipt of this form — submitting it early protects your closing date.
Download the form (PDF) →How the process works
Step 1
Submit the Property
Send the address, property type, purchase price or value, and current rent roll or operating figures. Pre-qualification is a soft credit inquiry only.
Step 2
Valuation & Terms
We size the loan on property value and income, then issue terms showing leverage, rate range, points, and estimated closing costs.
Step 3
Docs & Third Parties
Entity documents, insurance, and the Title, Insurance & Closing Information form go in while the appraisal and title work are ordered.
Step 4
Close & Hold
You close into a 30-year fixed loan with no balloon, so the asset can be held long term without a refinance clock.
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).
- • Rates are not quoted as an offer or commitment to lend. As of August 2026, typical 30-year fixed commercial and multifamily investor rates range from approximately 6.50% to 9.00%, plus origination points and customary closing costs.
- • All loans are subject to underwriting approval. Rates, points, fees, leverage, and terms vary by lender, credit profile, property type, market, and deal profile, and are subject to change at any time without notice. Business-purpose and investment-property loans only — not for owner-occupied residences.
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.