Finance income-producing real estate across the USA and Canada—structured for acquisitions, refinances, cash-out strategies, and portfolio growth.
Investment and multifamily commercial loans provide financing for income-producing properties where repayment primarily comes from property cash flow. Unlike owner-occupied loans, underwriting focuses on:
Net Operating Income (NOI): Income after operating expenses, before debt service
Debt Service Coverage Ratio (DSCR): Measures whether NOI can cover loan payments
Occupancy & Tenant Stability: Quality of rent roll and lease structures
Property Condition & Market Support: Appraisal value and local demand fundamentals
These loans are typically used by investors aiming to build long-term rental income, reposition assets, or optimize portfolio leverage.
Financing for apartment buildings, from small complexes to large multifamily properties.
Loans available for properties combining commercial and residential spaces, program-dependent.
Financing for income-producing commercial spaces with stable tenants and long-term leases.
Single loan covering multiple properties, simplifying management and leveraging combined income streams.
NOI is the property’s income minus operating expenses, before debt service. Higher NOI generally supports larger loan amounts.
NOI is the property’s income minus operating expenses, before debt service. Higher NOI generally supports larger loan amounts.
LTV measures the loan amount relative to the property value. Lower LTV typically reduces lender risk and improves approval likelihood.
Debt yield is NOI divided by the loan amount. It helps lenders understand return relative to loan size, independent of market value.