Loan Programs

At GSM, we offer a full suite of products to cover every stage of the real estate investment life cycle—from new construction, bridge, and fix & flip loans to permanent bank, credit union, and government agency financing. With deep structuring expertise and broad access to capital, we craft tailored, efficient loan solutions designed to optimize your portfolio and investment strategy.

Image with text detailing short-term financing options for 5+ unit multifamily bridge loans. Key points include rates starting in the 7's, up to 80% LTC, 100% rehab budget, up to 70% loan to ARV, loan sizes from $300K to over $100M, closing within 45 days, no tax returns or W2's needed, 12-24 month interest only period, minimum FICO score of 650, and no prepayment penalty.
Long term financing options comparison between Bank & Credit Union and Government Agency for 5+ unit multifamily properties. Bank & Credit Union offers starting rates in the 6's, loan sizes $500K+, up to 80% LTV purchase, up to 75% LTV cash-out refinance, closing in 45-60 days, portfolio options, interest-only, 30-year amortization, 5-year rate lock, no prepayment penalties. Government Agency offers starting rates in the 5's, loan sizes $1.2M+, similar purchase and refinance options, with no tax returns or W2's required, closing in 45-60 days, broader rate lock options, and prepayment penalties with yield maintenance or step down prepay.
"New Construction 5+ Unit" financing details describing loan rates, LTC, ARV, purchase price, and FICO score requirements for direct lender or bank financing.

Beyond Brrrr

Beyond Brrrr is a subsidary of GSM that specializes in private financing for 1-4 family investments.

For any inquiries about programs under this section, please visit Go Beyond Brrrr.

    • Rates starting in 6's

    • Loan size $150K+

    • Up to 80 LTV Purchase

    • Up to 75 LTV Cash Out Refi

    • No Tax Returns or W2's

    • Close in 2-3 weeks

    • Portfolio Options available

    • Short-Term Rental options available

    • "Interest Only" available

    • 30 Year Amortization

    • 30 Year Rate Lock

    • Rates starting in 10's

    • Up to 92.5% of Purchase Price

    • 100% of Rehab Budget

    • Up to 75% Loan to ARV

    • Loan Size $100K-2M

    • Close in as little as 7 days

    • No Tax Returns or W2's

    • 12-18 Month "Interest Only"

    • Minimum FICO 650*

      If you have a partner we can use the higher of your midscores

    • Guarantee only required by 51% of membership

    • No Prepayment Penalty


  • Direct Lender

    • Rates starting in 10's

    • Up to 90% LTC

    • Up to 75% Loan to ARV

    • Up to 75% of Purchase Price

    • $500K-$2M Max Loan, up to $5M with exception

    • Eligible Properties: 1-4 family, 2-4 unit warrantable condos, 2-4 unit townhomes

    • No Tax Returns or W2's

    • 12-18 Month "Interest Only"

    • Minimum FICO 650

    • No Prepayment Penalty