Real Estate Investment Funding

Scaling a portfolio requires more than just a lender; it requires a strategist. We specialize in aligning investors with the precise capital structures needed for residential and commercial projects. By integrating diverse funding sources, we streamline the acquisition and development process. We service clients in the United States only.

Investment Funding Amounts:

$500k+ - Commercial

$200k+ - Residential

Used for properties with 5+ units, office buildings, or retail spaces. These are strictly business transactions.

SBA 504 & 7(a) Loans: Government-backed loans for owner-occupied business real estate (e.g., a doctor buying their clinic space). They offer low down payments and long terms.
CMBS Loans (Conduit): Large-scale loans bundled into "bonds" and sold to investors. They are typically non-recourse (the lender can't come after your personal assets) but have very rigid terms.
Agency Loans (FHA, USDA, Fannie/Freddie - Multi-family): Competitive long-term financing specifically for apartment complexes. Loan amount from $1MM

Equity Based Loans:

Works best for applicants that own a n investment property with the following characteristics:

If you already own property, you can use your existing equity to fund the next acquisition.

HELOC (Home Equity Line of Credit): A revolving line of credit (like a credit card) secured by your primary home.
Cash-Out Refinance: Replacing your current mortgage with a larger one and taking the difference in cash.

Short-Term & Transactional Loans

Ideal for properties that aren't yet ready for a long-term mortgage due to their condition or a fast-moving deal.

Hard Money Loans: Asset-based loans from private lenders. They prioritize the After Repair Value (ARV) over your credit. They are expensive (8–15% interest) but can close in as little as 5–7 days—perfect for "fix-and-flips. Loan amounts from $75K
Bridge Loans: Temporary financing (usually 6–24 months) used to "bridge" the gap between a purchase and permanent financing. Often used to buy a property, renovate it, and get it leased before refinancing. Loans amount from $100K

Construction Loans: Specially structured to release funds in "draws" as building milestones are met. properties or multiple homes under one "blanket" mortgage. Loan amount from $200K

Long-Term Rental Loans (Buy & Hold)

These loans are designed for investors who intend to keep a property for several years to build equity and generate monthly cash flow.

Conventional Investment Loans: Standard mortgages following Fannie Mae/Freddie Mac guidelines. They offer the lowest interest rates but require full income documentation (W-2s/tax returns) and high credit scores.
DSCR Loans (Debt Service Coverage Ratio): A favorite for "scaling" investors. Instead of looking at your personal income, the lender qualifies you based on the property’s ability to cover the mortgage with its rental income. Loan from $200K
Portfolio Loans: Loans kept "in-house" by a bank rather than sold on the secondary market. Lenders have more flexibility to finance unique properties or multiple homes under one "blanket" mortgage.

Government-backed Commercial Loans

SBA LOANS

SBA 7(a) Loans

Funding: $150,000 - $5 million.
Best For: Businesses wanting a versatile loan to buy real estate, fund renovations, refinance existing debt, or get working capital all under one loan.
Key Terms: Offers terms up to 25 years for real estate. Rates are typically variable and tied to the Prime Rate. Down payments are low, often starting at 10%.
Used for general working capital or buying owner-occupied commercial real estate (must occupy at least 51%).
Down payments start as low as 10%.

SBA 504 Loans:

Best For: Large-scale economic development, including buying land, buildings, long-term machinery, or ground-up construction.
Loans from $150,000 - $5 million (or $5.5 million for manufacturers or green energy projects).
Features long-term, below-market fixed interest rates for 10, 20, or 25 years.
Provides long-term, fixed-rate financing for major fixed assets like purchasing land, buildings, or constructing facilities, partnered with Certified Development Companies (CDCs).
Requires the business to occupy 51% or more of the space.
There is no limit on the total project size.

Structure: This is a unique three-party structure:

- 50% comes from a conventional bank loan (first mortgage).
- 40% comes from a Certified Development Company (CDC) backed by the SBA (second mortgage).
- 10% comes from the borrower's equity down payment.

United States Department of Agriculture (USDA)

Funding from $200,000 to $1 million.
Guaranteed up to 80% by the USDA
Designed for businesses buying, building, or improving commercial real estate strictly located in eligible rural areas.
Must show that the project helps create or retain local jobs.

Funding programs:

1. Business & Industry (B&I) Guaranteed Loan Program

Best For: For-profit businesses, cooperatives, and non-profits looking to buy, build, or expand commercial real estate or acquire heavy machinery.
Key Terms: Offers loan amounts generally ranging from $1 million up to $25 million. It serves as the primary USDA option for standard commercial developments like manufacturing plants, hotels, retail centers, and wholesale warehouses located in rural zones.

4. Food Supply Chain Guaranteed Loan Program

Best For: Mid-tier commercial businesses working directly within the American food infrastructure.
Project Examples: Specifically backs businesses operating in the "middle of the supply chain"—such as cold-storage aggregation hubs, wholesale food processing plants, and manufacturing facilities. Note: Traditional farms and front-end retail operations like grocery stores or restaurants are excluded

2. Community Facilities Guaranteed Loan Program

Best For: Developing essential community infrastructure and public services in rural areas.
Eligible Borrowers: Restricted to public bodies, federally recognized tribes, and community-focused non-profit organizations.
Project Examples: Financing for healthcare facilities (rural clinics, small hospitals), public safety buildings (fire and police stations), town halls, and educational structures like charter schools or museums.

5. Rural Economic Development Loan and Grant (REDLG) Programs

Best For: Projects backed through local utility organizations to spur job growth.
How it Works: The USDA issues zero-interest loans directly to rural utility cooperatives. These utility entities then pass the capital down as revolving loans to local businesses executing regional expansion or community development projects.

3. Rural Energy for America Program (REAP) Loans & Grants

Best For: Agricultural producers and rural small businesses installing clean energy infrastructure.
Key Terms: Provides up to $25 million in loan guarantees or up to $1 million in standalone grants. It is strictly used to finance renewable energy systems (such as commercial solar fields or wind turbines) and major energy-efficiency upgrades (such as high-efficiency HVAC systems, industrial insulation, and modern lighting).

6. Water & Waste Disposal Loan & Grant Program

Best For: Large-scale utility and environmental infrastructure.
Key Terms: Delivers long-term financing to construct or upgrade vital utility networks, including drinking water filtration facilities, waste disposal centers, and storm-water drainage systems for eligible rural districts.

Department of Housing and Urban Development (HUD / FHA) Loans

Funding from $1 million
Insured by FHA
Use for the purchase, refinance, construction, or heavy rehabilitation of multifamily rental housing and healthcare facilities rather than standard retail or office buildings.
Long-term, non-recourse structures.

Funding Programs:

1. HUD Section 223(f) — Acquisition and Refinancing

Best For: Purchasing or refinancing existing, stabilized multifamily apartment complexes.
Key Terms: Offers fixed-rate terms up to 35 years. It allows minor repairs (up to $15,000 per unit) but is not meant for major construction.

2. HUD Section 221(d)(4) — New Construction and Substantial Rehabilitation

Best For: Developing new ground-up apartment buildings or executing major renovations on existing ones.
Key Terms: Combines a construction loan with a permanent mortgage. Features up to a 3-year interest-only construction period followed by a 40-year fixed-rate, fully amortizing loan. Projects must comply with federal Davis-Bacon prevailing wage requirements.

3. HUD Section 223(a)(7) — Streamlined Refinancing for Existing HUD Loans

Best For: Borrowers who already hold an active HUD multifamily loan and want to lower their interest rate or extend their amortization term. This is an expedited, low-cost program that skips most third-party reporting requirements and can close in as little as 60 days.

4. HUD Section 241(a) — Supplemental Loans

Best For: Existing HUD borrowers who need secondary financing to expand or improve their current property without altering their primary mortgage. Funds energy-efficient upgrades, safety updates, or structural additions to the existing complex.

5. HUD Section 232 and 232/223(f) — Healthcare & Senior Housing

Best For: Residential care facilities such as assisted living facilities, skilled nursing homes, and intermediate care properties. Mirroring standard apartment loan tracks, Section 232 covers new construction, while Section 232/223(f) covers buying or refinancing existing healthcare infrastructure.

INDUSTRIES

Multifamily & Residential Development

Apartment Complexes: Buildings with 5 or more units.
Student Housing: Purpose-built housing near universities.
Senior Living: Assisted living facilities and retirement communities.
Mobile Home Parks: Financing for the land and infrastructure of manufactured housing communities.

Industrial & Logistics

Warehouses & Distribution Centers: Large-scale storage for retail and shipping.
Light Manufacturing: Facilities for assembly and small-scale production.
Flex Space: Buildings that combine office and industrial/warehouse usage.
Cold Storage: Specialized refrigerated facilities for food and pharmaceuticals.

Retail & Hospitality

Retail Centers: Strip malls, shopping centers, and stand-alone "big box" stores.
Hospitality: Hotels (limited service or full-service), motels, and resorts.
Restaurants: Stand-alone buildings or leased spaces within larger centers.

Special Purpose & Institutional

Religious Institutions: Churches, temples, and community centers (as offered by Solution Financial Group).
Education: Private schools, daycare centers, and charter school facilities.
Self-Storage: Climate-controlled or traditional drive-up storage units.
Agriculture: Farm, ranch, and timberland financing

Construction & Land Development

Raw Land: Financing for the acquisition of undeveloped land.
Acquisition & Development (A&D): Funding to prepare land for building (grading, utilities).
Speculative Construction: Loans for builders creating inventory before a buyer is secured.

Office & Professional Services

Medical Offices: Specialized facilities for doctors, dentists, and outpatient clinics.
Professional Suites: Legal, accounting, and corporate headquarters.
Coworking Spaces: Shared office environments.

Commercial Real Estate (CRE) Loans

Used for properties with 5+ units, office buildings, or retail spaces. These are strictly business transactions.

SBA 504 & 7(a) Loans: Government-backed loans for owner-occupied business real estate (e.g., a doctor buying their clinic space). They offer low down payments and long terms.
CMBS Loans (Conduit): Large-scale loans bundled into "bonds" and sold to investors. They are typically non-recourse (the lender can't come after your personal assets) but have very rigid terms.
Agency Loans (FHA, USDA, Fannie/Freddie - Multi-family): Competitive long-term financing specifically for apartment complexes. Loan amount from $1MM

Equity-based Financing

If you already own property, you can use your existing equity to fund the next acquisition.

HELOC (Home Equity Line of Credit): A revolving line of credit (like a credit card) secured by your primary home.
Cash-Out Refinance: Replacing your current mortgage with a larger one and taking the difference in cash.

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