Question 1

What credit score do I need?

Accepted Answer

It depends on the program. Our DSCR investor loans require a minimum 620 credit score, while our small balance commercial program starts at 660. For DSCR, we also look for no short sale, deed-in-lieu, or modification in the last 24 months and no bankruptcy or foreclosure in the last 36 months. If your credit does not fit those boxes, our asset-based private money and bridge programs can often still work.

Question 2

How much can I borrow?

Accepted Answer

Programs start at $100,000 on our DSCR and private money loans and scale from there: small balance commercial runs $250K to $2M and up, SBA 7(a) financing reaches $80M, and our multifamily, bridge, and private money programs go to $100M-$200M. CMBS conduit loans start at $2 million with no maximum. Tell us about the deal and we will match it to the right size program.

Question 3

How quickly can I close?

Accepted Answer

Private money closes in as little as 10 days, and bridge loans can close in as little as one week. Most of our programs — small balance, SBA, owner-occupied, and DSCR — close in about 30 days, and CMBS conduit runs around 45 days. Lighter documentation programs move faster because there is less back-and-forth in underwriting.

Question 4

Do you finance borrowers with credit issues?

Accepted Answer

Yes. Our private money and bridge programs are asset-based, meaning the loan is underwritten primarily against the property's value and your exit strategy, not your personal credit history. Weak or complicated financials matter far less than the strength of the collateral. If a bank has turned you down, this is often where we can help.

Question 5

Do you finance vacant properties?

Accepted Answer

Yes. Vacant properties are explicitly allowed under our DSCR program, which is useful between tenants or right after a renovation. For commercial assets in transition, our bridge program is built for exactly that situation — no seasoning required and closings in as little as one week.

Question 6

Do you require tax returns?

Accepted Answer

Not on our most-used investor programs. DSCR loans require no tax returns at all — submission is just a loan application and a credit authorization. Our small balance commercial program is stated income, with no tax returns and no 4506T. Full-documentation options like SBA and agency multifamily are there when they get you better terms, but they are not the only path.

Question 7

Do you lend nationwide?

Accepted Answer

Yes. We offer financing nationwide, and most of our programs are available in all 50 states. Two programs have state exclusions: DSCR loans are unavailable in CA, MI, MN, ND, NV, SD, VA, and VT, and our small balance commercial program excludes CA, MI, ND, and SD. If your property is in an excluded state, we will point you to one of our other programs that covers it.

Question 8

Can you refinance an existing commercial loan?

Accepted Answer

Yes — every core program handles both purchases and refinances, including rate-and-term, cash-out, and construction take-outs. Our small balance program has no seasoning requirements, so recently acquired properties can be refinanced right away. If your current loan is maturing or the terms no longer fit, reach out and we will review the exit options.

Question 9

What property types do you finance?

Accepted Answer

Across our programs we finance multifamily, mixed-use, retail, office, light industrial and warehouse, self storage, mobile home parks, daycare, automotive, and restaurant properties, with hospitality and specialty use considered case by case. On the residential side we cover non-owner-occupied 1-4 unit properties, portfolios, and short-term rentals like Airbnb and VRBO. Owner-occupied properties can qualify for up to 90% LTV through SBA programs.

Question 10

How does DSCR financing work?

Accepted Answer

A DSCR loan qualifies on the property's debt service coverage ratio — its rental income divided by its debt payment — instead of your personal income. Our program allows a minimum DSCR of 0.85x, so even lightly cash-flowing properties can qualify, with a 620 minimum credit score and loan amounts from $100K to $3.5M. There are no tax returns required, and LTV runs up to 80% on loans to $1M, 75% to $2M, and 65% to $3.5M.

Commercial Mortgage FAQ