SCORE funds the CRE deals your traditional banks can't.
Flexible $1M+ CRE capital for investors and developers navigating complex projects, tight timelines and opportunities outside the traditional bank box.
Hands-On Brokering | Trusted Lender Network | Tailored Fit Programs
TRUSTED CAPITAL PARTNERS
WHO WE ARE
SCORE structures and sources $1M+ in flexible commercial real estate capital nationwide for small-balance multifamily and mixed-use commercial projects. Our solutions are customized for investors and developers that need fast and flexible solutions beyond the traditional bank model.
Whether you need to finance a purchase of townhomes, condos or student housing for a portfolio, refinance an existing loan, secure new construction financing, fund a fix-&-flip, or attain short-term capital to bridge the gap, our advisory team can find tailored lending solutions for you - backed by investor experience and 20 years of industry knowledge to meet your project needs.
WHY CHOOSE US
SCORE your deals w/ flexible capital & no bank box.
If your construction or acquisition deal doesn't fit the traditional bank's credit box, it will immediately get rejected - even if the deal is extremely profitable.
At SCORE, we look at the asset potential, not a credit box.
Traditional Bank Credit Box
Cap out at 65% LTV on commercial assets
Require 1.25x DSCR on past performance
Take 90-120 days with endless committees
Demand heavy personal income documentation
Generic advice - not tailored to your profile
SCORE Commercial Capital
Funds up to 80% LTV on bridge & value-add deals
Underwrites to future stabilized value & pro-forma
Issues a term sheet in 48 hours, close as early as 3 weeks
Focuses on asset cash flow, not tax returns needed
Customizes advice to match you with the best program
Four free calculators.
Four straightforward answers.
We identify the Lenders & Capital Providers whose Financing Programs are best suited for each Commercial & Multifamily transaction.
Partner with us to broaden the scope of your evolving commercial business.
HOW WE WORK
Five steps, from first contact to closing.
We move at the speed of commercial real estate - not the speed of a bank committee.
1
Client Online Deal Submission
Submit your scenario details & borrower information via our online form for an initial review.
2
Initial Review & Discovery Call
Our team reviews your scenario & confirms details & program fit over the phone within 24 hrs. of submission.
3
Docs Request & Issue Term Sheet
If there's a fit, we issue a Term Sheet along with a Client Portal link for you to upload your required documents.
4
Underwriting & Appraisal
Simple documentation process with the appraisal ordered & completed on an accelerated timeline.
5
Get Closed & Get Funded
Loan docs prepared, closing scheduled, funds disbursed. Most deals fund within 30 days of term sheet.
OUR CRE SERVICES
Commercial loans built around you.
SCORE carefully analyzes each opportunity based on your objectives, transaction size, property type, capital structure, financial profile, and underwriting requirements - maximizing our likelihood of a successful closing.
Multifamily / Commercial Loan Programs
Commercial Bridge
Short-term capital for acquisition or repositioning, including private institutional capital.
Commercial Long-Term Fixed
30-year fixed rate term with no balloon attached and can also be fully amortized.
HUD / FHA Multifamily
Great for investors purchasing, building or renovating qualified multifamily properties.
Fannie Mae Multifamily
Long-term fixed rate agency debt for stabilized multifamily properties.
Freddie Mac Small Balance
Streamlined, non-recourse financing for multifamily apartment buildings with 5 to 50 units.
Construction / Development
Financing used to fund ground-up developments or major renovations.
Multifamily CMBS
Non-recourse, fixed-rate financing for stabilized multifamily properties.
USDA Multifamily
Financing for the development and preservation of rural multifamily housing.
FHA 2-4 Units
Low down payment financing ideal for investors looking to purchase small multifamily properties.
Want more program details? Explore
Frequently Asked Questions
Private portfolio additions can help balance your investments during times of economic downturns and high volatility in public markets. If you’re an accredited commercial investor who has access to initial investment capital, private multifamily investing might be the right fit for your portfolio.
The evaluation criteria are mainly tailored to investment properties. However, the application, underwriting, and financing acquisition process resemble other loans. The particulars requested and loan attributes differ.
Floating rates change annually with market shifts, while fixed rates remain constant. Lenders weigh property, borrower, market factors for rates. Govt.-backed loans may have slightly lower rates. Repayment uses the full amortization, not just loan term.
When calculating repayment, the interest rate is applied to the full amortization schedule rather than only the loan term.
Multifamily Loan Calculator
Calculating loan repayment manually for multifamily properties can be complex due to factors like term, amortization, balance, and interest rate structure. A loan calculator simplifies tracking changes in repayment with varying interest rates and factors.
It's crucial to utilize a commercial loan calculator for accurate results, as residential mortgage calculators don't address multifamily-specific repayment intricacies.
On the property side, be ready to present details such as the property's valuation, income streams, construction or renovation expenses, tenant profiles, and any other pertinent data. Although it's advisable to pre-calculate key financial metrics like Loan-to-Value (LTV), Debt Service Coverage Ratio (DSCR), and capitalization rate, expect the lender to scrutinize these figures during the evaluation process. Additionally, gather any documentation that proves the property's eligibility for specialized lending programs.
Duplexes, triplexes, and fourplexes might still need multifamily financing, but these properties normally don’t qualify for commercial multifamily loans. Instead, loans for properties that have 2-4 units can be obtained through personal real estate lenders or FHA's 2-4 unit loan programs - of which one qualification is that you must move into one of the units within 60 days, and live-in it for at least one year. For triplexes and fourplexes, the property must pass FHA’s self-sufficiency test, where the net rental income must equal or exceed the total monthly mortgage payment (PITIA). But, almost all multifamily loan programs listed are for properties with at least five units.