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Loan Programs

Long Term "Permanent" Financing Programs

30 Year DSCR Loans 1-10 Units

Low Doc Direct Lender
  • Rates starting in 7's
  • Up to 80% LTV Purchase
  • Up to 75% LTV Cash Out Refi
  • Loan Size $100k-2mm
  • Portfolio Options Available
  • Close in 2-3 weeks
  • No Tax Returns or W2's
  • "Interest Only" available
  • 30 Year Amortization
  • 30 Year Rate Lock
  • Minimum FICO 660
  • Prepayment Penalty - Various options available
  • Recourse
  • N/A in AK AZ CA NV ND SD VT
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5+ Unit Multifamily

Brokered
  • Rates starting in 6's
  • Up to 80% LTV Purchase
  • Up to 75% LTV Cash Out Refi
  • Loan Size $1.25mm-100mm
  • Portfolio Options Available
  • Close in 6-8 Weeks
  • No Tax Returns or W2's option available
  • "Interest Only" available
  • 30 Year Amortization available
  • 5 to 15 Year Rate Lock
  • Minimum FICO 680
  • Prepayment Penalty - Yield Maintenance or Stepdown
  • Non Recourse Available
  • Available All States
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Portfolio Finance Options

Low Doc
  • Rates starting in 6's
  • Up to 80% LTV Purchase
  • Up to 75% LTV Cash Out Refi
  • Loan Amounts $500k+
  • Most States
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Bridge / Fix & Flip / Fix & Hold BRRRR

1-4 Family Fix and Flip

Low Doc Direct Lender
  • Rates starting in 10's
  • Up to 90% of Purchase Price
  • 100% of Rehab Budget
  • Up to 70% Loan to ARV
  • Loan Size $100k-2mm
  • 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
  • N/A in AK AZ CA NV ND SD VT
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5-20 Unit Multifamily Bridge

Low Doc Direct Lender
  • Rates starting in 10's
  • Up to 80% LTV Purchase
  • 100% of Rehab Budget
  • Up to 70% Loan to ARV
  • Loan Size $300k-$2mm+
  • Close within 5 weeks
  • No Tax Returns or W2's
  • 12-24 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
  • N/A in AK AZ CA NV ND SD VT
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5+ Unit / $1mm++ Multifamily

Brokered / Full Doc / up to 100mm
  • Rates starting in 10's
  • Up to 80% LTC / 70% LTV
  • $1mm-6mm with FIXED Rate
  • $6mm-100mm floating rate
  • Repositioning OR Rehab projects to prepare for Agency Long Term Financing
  • Experience Required
  • 12-24 Month "Interest Only"
  • Minimum FICO 680
  • Prepayment Penalty - Exit Fee if not refinanced into Agency loan
  • All States
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New Construction

1-4 Family

Low Doc Direct Lender
  • Rates starting in 10's
  • Up to 90% LTC
  • Up to 75% Loan to ARV
  • Up to 75% of Purchase Price
  • $2mm Max Loan, up to 5mm 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
  • Either New Construction or Deep Rehab experience required
  • No Prepayment Penalty
  • N/A in AK AZ CA NV ND SD VT
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5-20 Unit

Low Doc Direct Lender
  • Rates starting in 10's
  • Up to 85% LTC
  • Up to 65% Loan to ARV
  • Up to 65% of Purchase Price
  • $5mm Max Loan, up to 10mm with exception
  • Eligible Properties - 5+ Unit Multifamily, 5+ unit warrantable condos, 5+ unit townhomes
  • No Tax Returns or W2's
  • 12-18 Month "Interest Only"
  • Minimum FICO 650
  • Either New Construction or Deep Rehab experience required
  • No Prepayment Penalty
  • N/A in AK AZ CA NV ND SD VT
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Ready to get started?

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Email us - gary@gsmcommercialcapital.com