LOAN Options

Get the Right Loan from the Right Lender... without the Stress.

There are a wide range of commercial and multifamily financing types for you to consider when choosing a loan, regardless of the size and scope of your investment or development plans. There are different terms, rates, fees, recourse, penalties, assumability, and other options to think about that can cause a considerable amount of stress. On top of that, most lenders individually have their own specific requirements, structures, and particulars to how their business operates.

At SCORE Commercial Capital, we understand that examining and obtaining the correct financing quickly can mean the difference between winning and losing a deal. SCORE will help find and structure the appropriate loan for you - from a wide range of lenders - so you gain access to the funds you need, with competitive rates and flexible terms, to profitably move forward with your multifamily or CRE projects.

Scroll down to view the different funding options we provide.

Secure Funds for Every Stage of Your Commercial Projects Growth

Private / Hard Money Loans

Asset-based loans used for when speed, flexibility, or credit challenges exist.

  • Asset-Focused Underwriting

  • Quick Close (as Little as 5-10 Days)

  • Interest-Only, Short-Term (6-24 Mos)

  • 60-70% Loan-to-Cost (LTV)

  • Higher rates (9-12%)

Commercial Bridge Loans

Used for value-adds, renos, or lease-up projects before refinancing to perm debt.

  • Focuses on the Future Stabilized NOI

  • Short-Term (12-36 Months)

  • LTV: 70-80% (Sometimes LTC-Based)

  • Interest-Only Term Structures

  • DSCR Less Important w/Strong Bus. Plan

Construction / Development

Financing used to fund ground-up developments or major renovations.

  • Construct-to-Perm (C2P) Once Stable

  • 70-80% Loan-to-Cost (LTV)

  • Strong Sponsor & Contractor Required

  • Interest-Only During Construction

  • Non-Recourse Options

Multifamily CMBS Loans

Commercial Mortgage-Backed Securities secures larger, stabilized multifamily assets.

  • Non-Recourse / Can Be Assumable

  • Fixed Rates (Typically 5-10 Years)

  • Loan-to-Value (LTV): up to 75%

  • High Leverage & Flexibility (OK Credit)

  • DSCR: 1.25x Typical

Fix & Flip Loans

Capital for short-term renovation projects with quick turnarounds & resale in mind.

  • Closes in 5-14 Days

  • Asset-Based Approval

  • Up to 75% ARV Financing

  • Funds Purchase & Renovation

  • "Draw" Loan Structure

Debt Service Coverage Ratio

DSCR is popular among investors & portfolio owners - NO tax returns required.

  • NO Personal Income Verification

  • Good for Smaller Multifamily (2-8 Units)

  • Up to 80% LTV Available

  • 30-Year Fixed or Adjustable Rate

  • Based on Property's Cash Flow

Agency Loans

Best used for stable properties with solid occupancy & experienced investors.

  • Mortgage-Backed Securities (MBS)

  • Fixed or Floating Rates / Non-Recourse

  • Favorable Terms from 5-30 Years

  • 75-80% Maximum Loan-to-Value (LTV)

  • Minimum DSCR: 1.20x-1.25x

Freddie Mac SB Loans (SBL)

Best used for stabilized properties with solid occupancy rates & experienced investors.

  • Non-Recourse (Small Balance Loans)

  • SBA Guaranteed Protection

  • Multiple Use Cases

  • Up to $5 Million w/Competitive Terms

  • Government-Sponsored (GSEs)

FHA/HUD Multifamily Loans

Great for investors purchasing, building or renovating qualified multifamily properties.

  • Non-Recourse Loans (FHA Guarantee)

  • 3-10 Year Term, Amortized 20-30 Years

  • Offers Below-Market Rates

  • 80% LTV... at times as High as 90%

  • May be Assumable

Fannie Mae DUS Loans

Best used for stabilized properties with solid occupancy & experienced investors.

  • Non-Recourse Loans

  • Fixed or Floating Rates

  • Terms from 5-30 Years

  • 75-80% Maximum Loan-to-Value (LTV)

  • Government-Sponsored (GSEs)

Portfolio/Credit Union Loans

Used ideally for local investors or those with smaller balance needs.

  • Flexible Underwriting

  • Customized Terms w/LTV: up to 80%

  • DSCR: 1.20-1.25x

  • May Blanket Loans for Multiple Props

  • Relationship Based Lending

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Bank / Conventional Loans

Used for stabilized & smaller to mid-sized multifamily properties (5+ units).

  • Recourse Loans (Personal Guarantee)

  • 3-10 Year Term, Amortized 20-30 Years

  • Fixed or Adjustable Rate

  • 70-75% Loan-to-Value (LTV)

  • DSCR: 1.25x Typical

NOT SURE WHICH COMMERCIAL LOAN TO CHOOSE?

Each of the above programs are designed for specific property types and investment strategies. Whether you're eyeing a multi-family property, commercial office complex, or retail center, you'll need to know which loan is the best fit for your specific project in order to set yourself up for success. Our advisors will help you choose the perfect match for your unique commercial real estate project.

We can also access SBA 7(A) & SBA 504 owner-occupied financing - ensuring we offer you the best loan match for your specific scenario.

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Innovation

Fresh, creative loan solutions.

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Integrity

Honesty and transparency.

Excellence

Excellence

Top-notch services.

SCORE Commercial Capital is a boutique-sized commercial loan advisory firm specializing in multifamily properties.

We empower real estate investors, developers & builders by finding & securing for them the most competitively structured financing solutions for their CRE projects.

GET IN TOUCH

Rancho Santa Margarita, CA 92688

(877) 80-FUNDS (38637)

info@scoreinvestmentcapital.com

This website is owned by a company that offers CRE funding advice, information and other services related to multifamily, commercial real estate, and business financing. We have no affiliation with any government agency and are not a lender. We are a commercial mortgage advisory company that uses software, knowledge and experience to match lenders and borrowers together — acting as an intermediary between the two. By using this website, you agree to our use of cookies, our Terms of Use and our Privacy Policy. We use cookies to provide you with a great experience and to help our website run effectively.

Freddie Mac® and Optigo® are registered trademarks of Freddie Mac. Fannie Mae® is a registered trademark of Fannie Mae. We are not affiliated with the Department of Housing and Urban Development (HUD), Federal Housing Administration (FHA), Freddie Mac or Fannie Mae.

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