Multiple Loan Programs to Help You Close More Deals
We offer three distinct financing paths for commercial and multifamily investment properties.
Program Comparison
| CRE Bridge Loan | Commercial DSCR | Multifamily 5+ Unit Value-Add | |
|---|---|---|---|
| Best Fit | Short-term purchase or cash-out | Stabilized long-term rental financing | Acquisition and renovation |
| Property Types | Commercial, including multifamily 5+ units | Commercial, including multifamily 5+ units | Multifamily 5+ units |
| Loan Amount | $200,000–$1.5 million | $350,000–$2.5 million | $125,000+ |
| Term | 12, 18, or 24 months; interest-only | Long-term | 6–24 months |
| Maximum Leverage | Up to 80% LTV | Up to 75% LTV | Up to 80% LTC / 77% ARV |
| Rural and Small-Market Properties |
Yes Small towns and rural markets considered |
Limited Cities of 25,000+ population, or within 25 miles of a city of 100,000+ |
No |
- Best Fit
- Short-term purchase or cash-out
- Property Types
- Commercial, including multifamily 5+ units
- Loan Amount
- $200,000–$1.5 million
- Term
- 12, 18, or 24 months; interest-only
- Maximum Leverage
- Up to 80% LTV
- Rural / Small Market
- Yes. Small towns and rural markets considered.
- Best Fit
- Stabilized long-term rental financing
- Property Types
- Commercial, including multifamily 5+ units
- Loan Amount
- $350,000–$2.5 million
- Term
- Long-term
- Maximum Leverage
- Up to 75% LTV
- Rural / Small Market
- Limited. Cities of 25,000+ population, or within 25 miles of a city of 100,000+.
- Best Fit
- Acquisition and renovation
- Property Types
- Multifamily 5+ units
- Loan Amount
- $125,000+
- Term
- 6–24 months
- Maximum Leverage
- Up to 80% LTC / 77% ARV
- Rural / Small Market
- No.
All program parameters are subject to full underwriting, current pricing, property and borrower review. Maximum leverage is not guaranteed.
A close fit is worth a look
If the deal is near the published parameters but has a strong explanation or compensating strengths, submit the scenario and tell us what makes it work.
Don’t have a deal that fits?
See how Kirkland reviews a loan from initial scenario through closing.