1. Conventional CRE Loans

  • Loan Size: $500,000 – $100M+

  • Typical Uses: Acquisitions, refinancing, minor renovations

  • Terms: 5–25 years, amortized

  • Requirements:

    • Full documentation (2–3 years of tax returns, P&L, rent rolls)

    • 650+ credit score

    • 75–80% LTV (Loan-to-Value)

    • DSCR of 1.25+

2. CMBS (Commercial Mortgage-Backed Securities)

  • Loan Size: $2M – $200M+

  • Typical Uses: Stabilized income-producing properties

  • Terms: 5–10 years, non-recourse

  • Requirements:

    • Strong tenant leases

    • Property cash flow > debt service

    • High DSCR and occupancy

3. Bridge Loans

  • Loan Size: $300K – $100M

  • Typical Uses: Property repositioning, value-add, lease-up

  • Terms: 6–36 months, interest-only

  • Requirements:

    • May be light-doc or stated-income

    • Clear exit strategy (sale/refi)

    • 60–70% LTC (Loan-to-Cost)

4. Construction Loans

  • Loan Size: $500K – $500M+

  • Typical Uses: Ground-up developments

  • Terms: 18–36 months, interest-only during construction

  • Requirements:

    • Detailed plans, permits, budgets, contracts

    • Experienced developer with track record

    • LTC: 65–80%

    • Personal guarantees required

5. Stated Income / No-Doc Loans

  • Loan Size: $200K – $10M+ (varies by lender)

  • Typical Uses: Acquisitions or refi of stabilized CRE

  • Terms: 1–5 years, often interest-only

  • Requirements:

    • No tax returns or income verification

    • Focus on property value and borrower credit

    • 650+ credit score

    • 60–75% LTV

6. Hard Money Loans

  • LTV 65% nationwide with credit score 650 No credit score for UT ID CO up to 75%

  • Loan Size: $100K – $50M

  • Typical Uses: every type of as is property fast closings

  • Terms: 6–18 months, high interest rates (12–14%) 3 points

  • Requirements:

    • Asset-based: Property value is main qualifier

    • Fast approval; minimal documentation

Final Considerations:

  • LTV: Higher leverage usually requires more documentation or higher rates.

  • DSCR (Debt-Service Coverage Ratio): Key metric for income-producing assets.

  • Exit Strategy: Required for bridge and construction loans.

  • Experience: Lenders look for a proven track record for large and complex deals.

If you’re unsure which product fits your project, it’s recommended to engage a capital advisor or broker familiar with a wide lender network.

Now Your Smaller Clients Can Build With Confidence

They can finance almost any size construction project with us. Our team of experts can help you and your clients structure your deal, get financing in place, and take your client’s new construction project from permit to finished product.

Loan Parameters

Loan Limit: 10M
Start Restrictions:
Credit :680 plus
Requirements:
Total Loan to Cost: 90%
Total Loan to Finished Value: 70%
Typical Loan Term: 18 month
Property Types: Investor

Permits:
Interest Type:

$100K-10 million (Total loan amounts/cash to close vary by deal)