SBA 7(a)/504
Eligibility: 51%+ owner-occupied; business financials & global cash flow
Terms & Amortization: Up to 25 years; no balloon; prepay windows apply
Fees: Guaranty & packaging financed into loan when possible
Best For: Long-term, lowest payment for operating companies buying their building
Bridge Loans
Eligibility: Experience and viable exit (refi/sale), DSCR at stabilization
Docs: T-12 & rent roll (if applicable), purchase contract, rehab scope & budget, PFS & REO
Fees: Origination & third-party reports (appraisal, environmental, BPO as applicable)
Best For: Tight timelines, heavy-value-add, credit blips that a bank can’t clear today
Multifamily — DSCR & Agency
Best for: Investor-owned 5+ units (small balance to large).
Programs: DSCR (cash-flow based), Agency (Fannie/Freddie), Bank & CU
Terms: 5/7/10-year fixed with 25–30 year amortization; interest-only options
Highlights: Non-recourse options available; competitive rates; assumability (agency)
CPACE (Energy & Water Improvements)
Best for: Hotels, multifamily, senior housing, office/industrial with efficiency upgrades or new construction meeting code
Term: 20–30 years, fixed; can reduce overall cost of capital
Use Cases: HVAC, envelope, solar, water systems; new construction or retrofit
Pairing: Often complements construction or bridge as a senior-like tranche repaid via tax assessment
Construction & Mini-Perm
Best for: Ground-up or major renovations; rollover to stabilized mini-perm
Structure: Interest-only during build; 3–5 year mini-perm on stabilization
Leverage: up to 75% LTC (sponsor/deal dependent)
Collateral: CRE projects incl. multifamily, hospitality, industrial, SFR build-to-rent
Non Traditional Real Estate Financing –
Secure 20x the monthly net operating income from your multi family, hotel, student housing or senior housing property without a mortgage being placed on the property (excluding bad boy carve outs).
Example – $40,000 monthly NOI after debt service could qualify for $800,000 in funding.
Why bother with a mezz loan when you have this option.
