LOAN Options
At SCORE Investment Capital, we understand that real estate investors often face competitive markets where the ability to close within days can mean the difference between winning and losing a deal. SCORE will find and structure the appropriate loan for you - from a wide range of lenders - to gain access to the funds you need quickly, with competitive rates and flexible terms, so you can SCORE & WIN Deals to profitably move forward with your multifamily or commercial projects.
Scroll down to view the different funding options we provide.
Secure Funds for Every Stage of Your CRE Business 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
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 WHAT LOAN TO CHOOSE?
Each program is 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 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) and SBA 504 owner-occupied financing - ensuring we offer you the best loan match for your specific scenario.
Innovation
Fresh, creative loan solutions.
Integrity
Honesty and transparency.
Excellence
Top-notch services.
SCORE Investment Capital is a boutique sized commercial mortgage advisory firm specializing in multifamily properties.
Our mission is to empower multifamily investors through finding and securing the most competitively structured financing solutions for their CRE project needs.
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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.
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