Closings
Units Financed
Closed
14 States
Recent closings
A two-unit rental, a two-property refinance, and an 80+ unit acquisition: the same approach at every size.
West Turner Street, Allentown, PA · September 2026
2-unit DSCR refinance, direct lender
- The constraint
- A small rental that should qualify on its own rent, not the owner's tax returns.
- The structure
- Direct DSCR lender, DSCR refinance, $225,000.
- The result
- Refinanced on the property's income and kept as a rental.
Bethlehem and Allentown, PA · August 2026
Two renovated rentals, one bank loan
- The constraint
- Two rentals renovated on short-term money; the owner decided to hold both.
- The structure
- Bank/credit union term loan, long-term fixed, $365,000, both properties together.
- The result
- Short-term debt paid off; both rentals on one fixed loan.
West Hamilton Street, Allentown, PA · April 2026
80+ unit acquisition at 80% of cost
- The constraint
- Value-add building: lenders size to today's income and fund little of the turnover.
- The structure
- Acquisition loan at 80% of total cost, purchase plus unit turnover and rehab; amount not disclosed.
- The result
- The plan for the building was funded, not just the purchase.
"Gary has effectively served as our de facto CFO, acting as a direct lender when appropriate and a strategic relationship manager when projects require external banking or agency solutions. Delegating this critical function to Gary allows me to concentrate on my core competency — identifying and executing value-add projects."
Joe Colasuonno
Full-Time Real Estate Developer
600+ Units
Three ways to finance a deal
We broker bank, credit union, and agency loans, place private capital, and lend directly on bridge, DSCR, and fix-and-flip. The structure follows the building and the plan.
Bank, credit union and agency loans
Brokered term, construction-to-permanent, and portfolio loans, delivered to the lender underwritten and in the format its credit committee uses.
Learn morePrivate capital
Private capital for deals that need speed or flexibility: mixed-use, unseasoned leases, a closing ahead of a sale.
Learn moreDirect lending
Bridge, DSCR, fix-and-flip, and construction loans funded by GSM. Qualified on the property, closed on our timeline.
Learn moreWhere We Work
Lehigh Valley, PA. Our largest market for ten years: 2,000+ units and 270+ financings across Allentown, Bethlehem, and Easton. 1–4 family rentals, portfolios, and multifamily.
Philadelphia and suburbs. Bucks, Montgomery, Delaware, and Chester counties. 1–4 family rentals, portfolios, and multifamily of any size.
New Jersey. Monmouth, Ocean, Middlesex, Mercer, Burlington, Somerset, Union, and Hudson counties. 1–4 family rentals, portfolios, and multifamily.
Closings in 14 states. 3,000+ units and $300M+ financed across 500+ closings since 2017.
Why investors work with GSM
Every financing changes what you can do next: the proceeds you walk away with, the cash you have to bring, how the loan has to be repaid, and whether the building can carry a second loan or secure the next purchase. We work through those questions before the request goes to any lender.
- We find the problems before the lender does. Income, leverage, and the plan get checked against what underwriting will ask, so the request goes in supported rather than hopeful.
- We compare the tradeoffs that matter. Proceeds, recourse, amortization, prepayment terms, and certainty of closing, not just the quoted rate.
- We protect the next deal. How this loan affects your liquidity, your available collateral, and the acquisition after this one is part of the structure, not an afterthought.
Questions investors ask us
- What does GSM Commercial Capital do?
- We arrange financing for real estate investors and tell them where a deal is held up. Since 2017 we have closed 500+ financings covering 3,000+ units and $300M+ in loans, across 1-4 family rentals, portfolios, multifamily, and mixed-use in Pennsylvania and New Jersey.
- What kinds of loans do you arrange?
- Three ways. We are a commercial mortgage broker for bank, credit union, and government agency loans. We place private capital. And we lend directly on bridge, DSCR, and fix-and-flip loans. We match the structure to the building and the plan, not the other way around.
- Where do you work?
- Our largest market is the Lehigh Valley in Pennsylvania, where we have financed 2,000+ units over ten years. Most of those closings are 1–4 family rentals and small multifamily; we also finance larger apartment buildings. We work throughout Pennsylvania and New Jersey, including Philadelphia and its suburbs, and have closed loans in 14 states; if the deal is right, geography is rarely the problem.
- Who do you work with?
- Real estate investors in every size range: single 1–4 family rentals, portfolios held in several LLCs, and apartment buildings of 100+ units. Closings range from under $100k to $17M+. Most of our clients come to us referred by investors we have already closed for. We also work with bankers, attorneys, and title companies who send us deals that need a different structure than the one on their desk; they know we close.
- What does it cost?
- Nothing to GSM until closing. Our fee is earned at closing. Third-party costs such as appraisal, title, and legal are paid by the borrower as on any loan.
- What happens on the first call?
- We review your portfolio and the deal in front of you, tell you where the financing is held up, and lay out the path forward. Most inquiries get a response within one business day.