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Indicative ranges by capital source, updated 20 August 2026. Your actual terms depend on the asset, the sponsor, and the business plan.
Benchmarks as of 20 August 2026. Nearly every programme below prices as a spread over one of these, so when they move, quoted rates move with them.
Banks may not always be the most aggressive on terms, but they can deliver for cash-flowing properties and construction loans to very strong borrowers.
Credit unions definitely deliver on both rates and aggressive terms, especially if the asset is local to their backyard.
A government-sponsored entity supplying multifamily loans through various lending programs. One of the most popular is the Small Loans program, for loans up to $5 million.
A government-sponsored entity supplying multifamily loans through multiple programs, including the Small Balance program for 5–50 unit communities up to $7.5 million.
HUD’s multifamily programs have historically been difficult to obtain due to heavy paperwork, approvals, and long time-to-funding, but they represent an extremely stable long-term option.
CMBS lending is typically a fit for loans of $3 million or greater, on stabilised office, industrial, retail, hospitality, or multifamily assets.
Lenders holding loans on their own balance sheet are typically the most flexible. Those selling to a secondary market of hedge funds follow stricter underwriting rules, with little room for exceptions.
Life company loans are coveted for their long-term, low fixed rates. These lenders prioritise very stable property loans from extremely experienced, reliable borrowers.
SBA lenders are typically banks, but can be non-banks too. Each has a different sweet spot on business type and loan size. Rates and costs are among the lowest available, though closing can take one to two months.
Indicative ranges, updated 20 August 2026. Compiled from current published market surveys, not from Modern Financial’s own rate sheet — Azeem or Paul should confirm these against live lender pricing before this page goes public. Set a refresh cadence (monthly is typical) so the date stamp above stays honest.
Indicative only. Not a commitment to lend or extend credit. All loans subject to credit approval.
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