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Stabilized Bridge
Ross Commercial Capital Group
Makes Bridge
Loans Easy
Ross Commercial Capital Group Multifamily Term loans provide you with a reliable funding source for landlords, multifamily investors and property managers looking for long-term financing for properties with 5 to 8 units.
​Multifamily Terms
Property Types
5-8 Unit Residential Properties
Loan Amount
$250,000 - $3,000,000
Loan Type
30-Year Fixed Rate Mortgage, OR 5/6, 7/6, 10/6 hybrid ARMs (Partial IO or Fully Amortizing)
Recourse
Full Recourse or Non Recourse with bad-boy carveouts and Pledge of Equity of Borrowing Entity
Term Length
30 Years
Max LTC
If Owned <3 months, 70% of Total Cost Basis
If Owned between 3 and 6 months, additional 5% haircut on Max Eligible LTV
Maximumi Loan To As-Is Value
(Subject to Minimum FICO)
Purchase/Rate-Term Refinance: 70%
Cashout Refinance: 70%
Minimum Debt Servie Coverage Ratio
1.20x - 1.40x, based on subject market classification (Top, Standard, Small, Very Small).
Minimum Guarantor FICO
Mid-Score of 680
Lease Requirements
Minimum Occupancy Rate of 90% by Unit Count
- Leased Units: Lower of (i) In-Place Rent & (ii) Market Rent
- Unleased Units: 90% of Market Rent (Purchase Loans only)
Attractive alternative to traditional bank and agency financing
Competitive rates, 30-45 day closing timelines and easy seasoning requirements.
Common sense underwriting
No tax returns or borrower income information required, up to 70% LTV with cashout, easy step down prepayment penalty options.
Funding for mixed use properties, including singles and portfolios
We fund residential properties with commercial units if the residential square footage is greater than 50% of the leasable area. You can combine multifamily term properties into portfolios with single property rentals and other multifamily properties.
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