Flexible Real Estate Financing. Built Around the Deal.

Flexible Long-Term Real Estate Financing

Long-term financing for real estate investors and commercial property owners who need greater flexibility than traditional lending may provide.

Flex Term combines a 30-year fixed-rate structure with no balloon payment and flexible qualification for a wide range of commercial and investment real estate transactions. 

LONG-TERM FINANCING. GREATER FLEXIBILITY.

Traditional financing doesn't always fit every borrower, property, or opportunity.

Flex Term is designed for real estate investors seeking long-term financing with greater flexibility around credit, documentation, property cash flow, and borrower qualification.

Available for:

Purchase | Rate-Term Refinance | Cash-Out Refinance 

FLEX TERM HIGHLIGHTS

30-YEAR FIXED

Long-term, fixed-rate financing with full amortization and no balloon payment. 

UP TO 70% LTV

Up to 70% LTV for qualifying commercial properties. 

$75K–$5MM

Loan amounts from $75,000 to $5 million

SIMPLE DOCUMENTATION

A streamlined approach to income verification with simple documentation requirements. 

NATIONWIDE LENDING

Available nationwide, subject to program and location eligibility. 

FOREIGN INVESTORS

Flex Term may also be available to qualifying foreign investors, with financing currently available up to 65% LTV, subject to program requirements. 

WHAT CAN FLEX TERM FINANCE?

Flex Term can finance a broad range of commercial and investment real estate.

MULTIFAMILY & MIXED-USE

5+ Unit Multifamily
Mixed-Use Properties

COMMERCIAL REAL ESTATE

Office
Retail
Warehouse
Self-Storage
Automotive

WHERE FLEX TERM CAN MAKE THE DIFFERENCE

Flex Term may provide another financing path when a commercial bank or traditional mortgage structure doesn't fit the transaction.

It may be worth considering when:

• You want long-term financing rather than a short-term bridge loan.
• You need greater flexibility around borrower qualification.
• Traditional income documentation presents a challenge.
• The property's cash flow doesn't fit conventional underwriting requirements.
• Credit doesn't fit traditional lending guidelines.
• You're looking to refinance or access equity from an investment property.
• You're self-employed or have a nontraditional financial profile.