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Tailored Loan Programs to Fit Your Deal

     Competitive rates, flexible terms, no surprise fees, and a process built around how your deal actually works.     

We'll find and structure the best loan for you, so you get the funds you need to profitably move forward with your project.


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

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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

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Construction / Development Loans 

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

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Fannie Mae Multifamily Loans 

Long-term fixed rate institutional permanent debt for stabilized multifamily properties.

  • Non-Recourse (Standard Carve-Outs)

  • $5M Minimum (No Stated Maximum)

  • 5, 7, 10, 12, 15, 30-Year Terms

  • Up to 80% LTV (Market Rate); 87% (Affordable)

  • More Affordable Programs; Wide Prop. Eligibility

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Freddie Mac Small Balance Loans

Streamlined, non-recourse financing for multifamily apartment buildings with 5 to 50 units.

  • Non-Recourse (Standard Carve-Outs)

  • Loan Sizes from $1.5M-$9.0M

  • Up to 75% Cash-Out Refi; Up to 80% Purchase

  • 5, 7, 10-Year Fixed; Floating Rate Available

  • Closes in 45-60 Days

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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

Apply Now


USDA Multifamily Loans

Favorable financing for the development & preservation of rural & semi-rural multifamily housing.

  • Non-Recourse Available

  • Up to 40 Year Term, Amortized Up to 40 Years

  • Offers Below-Market Rates

  • Up to 90% LTV for For-Profit; 97% for Non-Profit

  • Loan Sizes $1M – $10M+

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FHA 2-4 Unit Multifamily Loans

Government-backed financing ideal for investors looking to purchase smaller multifamily properties.

  • Low Down Payments (Only 3.5% Down)

  • Flexible Credit Requirements (580 Minimum)

  • Fixed Rates (Highly Competitive)

  • Up to 96.5% LTV 

  • Owner-Occupied (Must Live in 1 of the Units)

Apply Now


Debt Service Coverage Ratio Loans

DSCR loans are great for investors purchasing properties based on its cash flow & not their personal income.

  • No Personal Income Verification (No Tax Returns)

  • 30-Yr Fixed; 5/1 ARM; 7/1 ARM; 40-Yr I/O Option

  • 680 Min Credit; 660 (w/Compensating Factors)

  • Up to 80% LTV (Purchase); 75% (Cash-Out Refi)

  • Portfolio & Interest Reserve Programs Available

Apply Now


*The structure and pricing of each loan are subject to underwriting and approval, with terms and rates totally dependent on the borrower's experience, down payment, liquidity, credit, and renovation amount, and may be subject to change.


Not Sure Which Loan Option is Best for Your Scenario?


Book a FREE Consultation Today 

Let's Discover the Best Lender Program for Your Next Deal.


Commonly Asked Funding Questions


Yes... we do. Our job is to offer you the best loan match for your particular scenario.

Depending on the loan program, we can close some loans (like bridge and fix-and-flip) in as little as 10-21 days. Agency and SBA loans typically take 45-60 days, while HUD loans can take 6-9 months due to the extensive review process.
For many of our programs (Bridge, DSCR, Fix-and-Flip, Long-Term Fixed), we do not require personal tax returns, W-2s, or P&Ls. We underwrite based on the asset's cash flow and value. SBA and some conventional bank programs will require tax returns.

Passive investments (like apartment buildings or strip centers where you don't occupy 51%+ of the space), lending institutions, life insurance companies, and speculative businesses generally do not qualify.
No. The property must be owner-occupied, meaning your operating business must occupy at least 51% of an existing building or 60% of a newly constructed building.
While 2 years of operating history is preferred, there are startup programs and acquisition structures available for businesses with less history, usually requiring a stronger business plan and equity injection.
We use the lower of the actual leased rent or the market rent determined by the appraiser. For vacant properties, we use the appraiser's market rent estimate.
There is no hard limit on the number of properties you can finance through our DSCR programs. We regularly work with investors scaling large portfolios.
Yes... we do!
Rehab funds are released in draws as work is completed and verified by an inspector. Typical schedules involve 4-5 draws throughout the project.
Yes, but due to auction timelines and title requirements, you must communicate with us early so we can structure the financing to meet the specific auction terms.
No... we don’t guarantee approval (as banks decide), but we maximize approval chances through strong documentation, compliance checks, and lender-ready presentation.
We combine loan consulting, financial documentation, and lender connection in one service — ensuring a professional, transparent, and success-oriented process.

All loan programs subject to change without notice. Terms depend on borrower qualifications, property type, and market conditions. Not an advertisement under Regulation Z. Equal Housing Lender.

SCORE Commercial Capital, Rancho Santa Margarita, CA 92688.