Real Estate Financing

Real estate financing for investors and owners. Capital for rentals, flips, construction, commercial property, and investor deals where the structure needs to match the asset, not fight it.

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Rental Property Loans

Portfolio capital that doesn’t faint at your tax return.

Rental property loans help real estate investors finance income-producing properties based largely on the cash flow of the property itself. That can mean less reliance on personal income documentation and a lending structure built around the deal, the rent roll, and whether the property can actually support the debt.

Because if the property can support the debt, the conversation should start there.

Loans up to $25 million
Up to 80% loan-to-value
Cash flow-based lending
No tax returns required in many cases
30-year fixed-rate and interest-only options may be available
1–4 family and multifamily properties may qualify
Foreign nationals may be eligible

Best for

Real estate investors who want to buy, refinance, or grow a rental portfolio without forcing every deal through traditional personal-income underwriting. This can work well for seasoned operators, newer investors with a strong property, foreign nationals investing in U.S. real estate, or anyone building a portfolio where the numbers on the property matter more than the bank’s outdated checklist.

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Commercial Mortgage Loans

For properties too complex for copy-paste lending.

Commercial mortgage loans help business owners and real estate investors finance, refinance, build, or reposition commercial property through commercial real estate loan options built around the deal. That may include office buildings, retail space, warehouses, self-storage, multifamily properties, mixed-use developments, owner-occupied real estate, construction projects, bridge needs, and larger commercial deals that require a more thoughtful structure.

Because commercial real estate is not one-size-fits-all. The property, use, timeline, cash flow, and exit plan all matter. Anyone pretending otherwise is probably trying to shove your deal into whatever product they happen to sell.

Options for commercial real estate, multifamily, mixed-use, construction, bridge, CMBS, agency, and mezzanine financing
Access to a network of 100+ lending partners
Owner-occupied commercial real estate options may be available, including SBA-backed structures
Financing available for purchases, refinances, construction, repositioning, and portfolio needs
Advisor support to help compare structures, terms, tradeoffs, and lender fit

Best for

Business owners and real estate investors financing commercial property that needs more than a generic loan quote. This can work for owner-occupied properties, multifamily assets, mixed-use developments, warehouses, retail, office, self-storage, construction projects, bridge scenarios, or deals where the structure matters just as much as the rate. Commercial real estate has too many moving parts for lazy financing. The right loan should match the property, the plan, and the way the deal actually makes money.

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Hard Money Loans

Capital for real estate deals that cannot wait for a committee meeting.

Hard money loans give real estate investors fast, asset-based financing for acquisitions, bridge needs, property stabilization, and value-add projects. Instead of relying heavily on traditional income documentation, the structure is built around the property, the deal, the equity, and the exit plan.

This is not meant to be forever money. It is short-term capital for investors who need to move quickly, secure the property, execute the plan, and either refinance, sell, or stabilize into a better long-term structure.

Loans up to $20 million
Up to 70% loan-to-value, with ARV considered when applicable
Fast closings, sometimes in as little as two weeks
Interest-only options may be available
Can be used across rental, multifamily, office, retail, industrial, self-storage, mobile home parks, and other real estate assets

Best for

Real estate investors who need speed, flexibility, and a loan structure based more on the asset than the usual bank checklist. Hard money can make sense for acquisitions, bridge financing, stabilization, value-add projects, or deals where timing matters and the exit plan is clear. It’s also a program where structure matters a lot. Fast capital can help you win the deal. Bad fast capital can make the deal wish it had never met you. (Don’t worry. Your Credit Banc Advisor is here to keep that from happening.)

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Fix-and-Flip Loans

Buy the ugly property. (Just don’t let the financing make it uglier.)

Fix-and-flip loans help real estate investors purchase and renovate properties with short-term financing built around the project, the budget, and the exit plan. Use it for rental homes, multifamily properties, commercial real estate, or value-add projects where the plan is to renovate, sell, refinance, or stabilize the property.

The right financing gives you room to move quickly, fund the work, and avoid tying up too much cash before the project has a chance to prove itself.

Loan amounts from $250,000 to $20 million
Up to 85% of after-repair value
Up to 90% loan-to-cost
12-month interest-only options may be available
Can be used for rental homes, multifamily properties, commercial properties, and renovation projects

Best for

Investors who see the upside in a rough property and need capital to move before the opportunity disappears. Fix-and-flip loans make sense when the renovation budget is clear, the timeline is realistic, and the exit plan doesn’t rely on crossed fingers and a hot market.

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Ground-Up Construction Loans

Dirt is cheap. Building on it is not.

Ground-up construction loans help real estate investors, developers, and business owners finance new construction projects from the ground up. That can include land acquisition, site development, and vertical construction, all structured around the project, budget, timeline, and exit plan.

Use it for single-family rental builds, multifamily projects, commercial real estate, or owner-user construction where the plan is bigger than “buy it and fix it.” New construction has more moving parts, which is exactly why the financing needs to be built around the full project, not just the purchase price.

Loans up to $50 million
Up to 85% loan-to-cost
Land acquisition, site development, and vertical construction may be included
Interest-only draw schedules may be available
Can be used for single-family rentals, multifamily, commercial real estate, and business-use properties

Best for

Projects where the opportunity is solid, but the capital needs to cover more than just the build. Land, site development, construction costs, and draw timing all matter here, which is why ground-up financing works best for borrowers who already know what they’re building, why it makes sense, and how the project gets paid off.

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Not sure what kind of funding you need?

Good. That means you probably haven’t been sold the wrong thing yet.

Tell us what you need the money to do. Buy equipment? Cover cash flow? Refinance debt? Fund a project? Move on a property? Whatever it is, we’ll help match the need to the right solution.

Get Pre-Qualified Today Talk to an Advisor: 321-334-5099