Loan Programs
Property Types We Lend On
From single-family rentals to small multifamily, condos, and short-term rentals.
What we lend on, against the 70% LTV / 1.25 DSCR baseline. Restricted types are never an automatic no — they get a conversation.
| Property type | Guideline |
|---|---|
| Single Family Rental | Core product, full terms |
| Multifamily (2–4 + small multi) | Eligible, full terms |
| Warrantable Condo | Eligible; non-warrantable conditional |
| Short-Term Rental | Eligible with documented income |
| Mixed Use | Conditional on residential/commercial split |
| Commercial | Case by case |
| Land | Restricted — limited programs |
| Agricultural | Restricted — limited programs |
How property type affects your terms
Core residential investment types — single-family rentals and small multifamily — get our full terms. Condos depend on warrantability; short-term rentals are eligible when income is documented. Mixed-use and commercial are reviewed case by case, and restricted types like land and agricultural have limited programs but are still worth a call. See what qualifies in detail →
Check your property type
See how a property type lines up against our 70% LTV / 1.25 DSCR baseline -- from single-family to commercial and land.
Not every property fits a non-recourse loan the same way. This checker tells you, by property type, how a deal generally lines up against our 70% LTV / 1.25 DSCR baseline -- and where a type is restricted or conditional.
It is the fastest way to know whether a single-family rental, a 2-4 unit, a short-term rental, mixed use, commercial, land, or agricultural property is a clean fit or a conversation worth having.
What we lend on, against our 70% LTV / 1.25 DSCR baseline. Restricted types still get a conversation.
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How it works
- Choose the property type you are evaluating.
- Check the property against our baseline.
- Read the type-specific guidance -- core, conditional, or restricted.
- Apply to confirm specifics with a loan officer.
Why it matters
Property type drives both eligibility and pricing in non-recourse lending. Core types like single-family and small multifamily move quickly at standard terms; short-term rentals, mixed use, and commercial carry extra documentation or tighter leverage; land and agricultural are restricted to limited programs.
Knowing the lane up front keeps your offer realistic and avoids surprises in underwriting -- especially when a retirement account is the borrower and the asset is the lender's only recourse.
How to read your result
Qualifies means the type sits inside our standard lane at the 70% LTV / 1.25 DSCR baseline. Conditional means it is lendable but depends on specifics -- income documentation, the residential / commercial split, or program fit.
Restricted (land, agricultural) means limited programs apply, not that the door is closed. Every type routes to a specialist because exceptions and program nuances are decided file by file. This is general guidance, not a commitment to lend.
Keep going
Frequently asked questions
What property types qualify most easily?
Can I finance a short-term rental?
Are land or agricultural properties eligible?
How are mixed-use properties handled?
Does property type affect my rate or LTV?
Estimates only -- not a commitment to lend; subject to full underwriting.
Frequently asked questions
Do you lend on short-term rentals?
Yes, short-term rentals are eligible when income is documented. LTV may be tightened depending on the property and market.
What about land or agricultural property?
Those are restricted with limited programs, but never an automatic no. A specialist can discuss options for your specific deal.
Do you finance condos?
Warrantable condos are eligible with full terms; non-warrantable condos are considered conditionally.
Ready to see where you stand?
Estimates and guidelines only — not a commitment to lend; all loans subject to full underwriting. Business-purpose / investment-property financing only. Educational information, not legal or tax advice.