Commercial Real Estate Loans
Financing for 5+ unit multifamily, mixed-use, and commercial investment properties. Qualify based on property NOI — not personal income. Nationwide coverage.
Eligible Property Types
- Multifamily: 5–100+ unit apartment buildings
- Mixed-use: retail/commercial with residential units above
- Small commercial: retail, office, light industrial
- Self-storage, mobile home parks, NNN retail
- Short-term rental portfolios (Airbnb/VRBO)
Loan Parameters
- Loan amounts: $500,000 – $10,000,000+
- Up to 75% LTV
- Minimum DSCR: 1.20x
- Terms: 5-year or 7-year fixed, 25–30 year amortization
- No personal income verification
- Non-recourse available above $1M
- Closing in 21–45 days typically
Underwriting Approach
Commercial loans are underwritten on the property's Net Operating Income (NOI) — the income the property generates after operating expenses, before debt service. The loan amount is determined by applying a market cap rate or DSCR minimum to the NOI.
Investor1st Funding works with investors to structure commercial loan requests and match them to the appropriate lender programs from our network of commercial lenders.