Apartment (Commercial) Loans

For investors on investment properties, and those in need of more commercial type loan / large apartment (up to 30-units) loan options. Cambria Mortgage Commercial loans are designed for property investors that need quick access to capital at competitive interest rates. 

As these are non-traditional loans. Borrower may need prior experience for the higher loan amounts, and smaller down payments. Please call (651) 552-3681 for more details

No proof of personal income on 1-4 unit rentals: Create cash flow for years to come by leveraging our Rental Term Loan program. Also known as DSCR loans, or investor cash flow loans.

• 1 to 4 units rental properties
• No personal income documentation needed
• Up to 85% (15% down)
• 30-year fixed

Fix and flip: Loans for investors who are buying distressed properties, rehabbing, and selling. Sensible, flexible, and fast.

• Up to 30-units
• $75k to $2m loan amounts
• Interest only payment option
• Advance draws possible
• up to 90% loan-to-value for experienced flippers

Bridge loans: Loans for investors who are buying distressed properties, rehabbing, and selling. Sensible, flexible, and fast

• Up to 30-units
• $75k to $2m loan amounts
• Up to 85% loan-to-value
• Purchase only rehab option. Allows investors to capitalize on options fast without paying for rehab funds

New Construction: Loans for builders with shovel-ready lots or teardown projects. 1-4 unit and townhomes.

• Up to 85% loan-to-value
• $150k to $2m loan amounts
• 12-18 month term

Multi-Family: Loans for builders with shovel-ready lots or teardown projects. 1-4 unit and townhomes.  designed for property investors that need quick access to capital at competitive interest rates.

• Up to 30-units
• $75k to $2m loan amount
• Up to 80% LTC and 75% loan-to-value
• Fast construction draws

Line of Credit: Loans for builders with shovel-ready lots or teardown projects. 1-4 unit and townhomes.

• Lending lines of credit allow you to acquire and manage multiple projects at once.
• Lending’s industry leading line of credit allows investors to move quickly and capitalize when the opportunity presents itself.

Commercial equity lines of credit can be used multiple times and are perfect if you need a short-term commercial real estate financing option. Rather than having the monthly payment of a commercial real estate loan, you make payments until you pay off your balance. Commercial Equity Lines of credit are generally used to finance receivables, investments or inventory. 

• One time up front underwrite of the borrower allows for faster closing times. No more resubmitting the same information to your lender for each deal.
• Offer on your next property with confidence knowing you have already have the capital lined up. As long as the project fits the box, you’ll be able to fund it.
• Grow your business – lines of credit are renewed every 6 months. As your business grows, so can your line of credit.

Credit lines provide flexible financing options for investors to purchase new properties, refinance existing investments and fund renovation.