COMMERCIAL FINANCING

LENDING SOLUTIONS

We approach our investments and clients with a “partnership approach” where we act as your commercial capital consultant to identify your capital need to provide the right solutions to solve that capital need. Our success is solely based on our ability to perform according to our client’s needs.

COMMERCIAL REAL ESTATE FINANCING

BRIDGE TO AGENCY LENDING

Investment Properties Solutions specializes in real estate loans ranging from $100,000 to $500,000 million with unique programs for both investors and business owners. Most often our borrowers need more flexible options which can include:

  • NON-RECOURSE with standard Carve Outs
  • Loan terms with extension options provide flexibility
  • Able to pivot between bridge and perm program for tweener deals
  • Fast answers with front-end “speed underwriting”
  • No exit fee if refinancing with same lender
  • Quick closings provide ability to capitalize on opportunity

PROPERTY TYPES

LOAN SIZE

LOAN PURPOSE

SPEED TO CLOSING

TERMS

LEVERAGE

RECOURSE

MINIMUM DSCR

MINIMUM DEBT YIELD

AMORTIZATION

BORROWER

ESCROWS

INTEREST RESERVE

FUTURE FUNDINGS

PRODUCT HIGHLIGHTS

EXTENSIONS

EXIT FEES

Multi-Family with 5+ units

1 Million+

Purchase, recapitalization, refinance, upgrades and/or seasoning, expedited loan closings

30 to 45 days

up to 2 years, plus extensions 

80% LTC / 75% LTV

NON-Recourse with standard carve outs

1.00x

5%

Full Term Interest ONLY

Single purpose entity Required

Real Estate Taxes and Insurance

3-6 months

Loan proceeds advanced as CapEx work is completed, which reduces total interest expense

Transitional / Value add / event driven / Non-stabilized properties / Rehabilitation / Renovation

6 months to 1 year extensions available

1-2% Waived with refinance with same lender into their Mac SBL, fixed rate or agency program

FREDDIE MAC SBL LENDING

IPS has a special business relationship with a National Lender specializing in providing small balanced loans from 41MM to $7.5MM with both fixed and hybrid rate structures

PROPERTY TYPES

LOAN SIZE

LOAN PURPOSE

SPEED TO CLOSING

TERMS

LEVERAGE

RECOURSE

MINIMUM DSCR

AMORTIZATION

BORROWER

ESCROWS

RATE HOLD

CREDIT

NET WORTH & LIQUIDITY

Multi-Family 5+ units

1 Million+

Acquisition or refinance (Cash-out available)

60 days

5, 7, 10 year fixed

20 year hybrid ARM with initial 5, 7, 10 year fixed

NON-Recourse with standard carve outs

1.20x Top Market / 1.25x Standard Market / 1.30x Small Market / 1.35x Very Small Market

30 years

Single purpose entity Required

Real Estate Taxes if LTV > 65%, Reserves: if > 50 units

Coupon pricing held for 35 business days from execution of LOI

Minimum FICO 680

Net Worth equal to or exceeding loan amount. Liquidity equal to or exceeding 9 months P&I prior to closing

WHY IPS-NOW?

Investment Properties Solutions, LLC is a commercial mortgage broker providing financing solutions for today’s real estate investor. Real Estate Investing has evolved. We have mastered the ability to meet our client’s needs by offering innovative yet simple financing solutions in today’s competitive market. With years of industry expertise and success, we are able to meet the demands of our investors and grow their business. Our mission is to be your personalized “go to” money source by delivering loan programs and financing options that are fast, flexible, simple, and dependable.