Explore commercial real estate loans for multifamily, mixed-use, retail, and industrial properties. Expert CRE lending built for investors.
At REIF Loans, we specialize in commercial real estate loans that help investors acquire, refinance, and scale income-producing properties. Whether you’re purchasing a small multifamily complex, expanding into retail or office space, or seeking a refinance to unlock equity, our programs are structured around one goal: long-term, cash flow–driven success.
We understand the challenges investors face from debt yield requirements to cap rate compression and we tailor every solution to fit your property and strategy.
A commercial real estate (CRE) loan finances income-generating properties such as apartment buildings, offices, retail centers, and industrial facilities. Unlike traditional home loans, commercial loans are underwritten based on the property’s income, not personal income.
Measures whether the property’s net operating income covers the loan payment. A DSCR of 1.25 or higher typically indicates strong cash flow.
Determines how much income the lender earns on the loan amount, offering a clearer picture of risk.
Reflects the expected return based on the property’s net income and market value.
These ratios ensure your property can sustain its debt and generate consistent returns the foundation of every smart commercial investment.
We’re not just loan officers, we’re real estate investors. That means we understand how every percentage point and payment term affects your cash flow. Our guidance comes from experience, not guesswork.
Instead of relying solely on personal income, we focus on property performance. This approach is ideal for investors using LLCs or partnerships to hold assets.
Our lender network covers small balance multifamily, mixed-use, retail, industrial, and office loans. We also offer bridge financing and DSCR-based programs for investors with unique strategies.
We help investors build scalable portfolios with creative refinancing, cash-out options, and multi-property loan structures that support long-term expansion.
Commercial real estate loans are available for a wide range of property classes. At REIF Loans, we work with:
Ideal for investors stepping up from residential properties.
Combine retail and residential spaces for diversified cash flow.
From small strip centers to anchored plazas with stable, long-term tenants.
Financing options for both single-tenant and multi-tenant offices.
Perfect for logistics, manufacturing, or storage.
Hotels, motels, and niche commercial properties with strong management teams.
Commercial lenders evaluate several key metrics to determine loan strength and pricing. A strong DSCR (typically 1.20 or higher) shows your property earns enough to cover debt obligations. A solid Debt Yield (8%–12%) signals low risk, while a competitive Cap Rate (5%–9%) demonstrates stable returns relative to market value.
Loan-to-Value (LTV) ratios usually cap around 75%, meaning investors should expect to bring 25% equity to the deal. Credit history also matters. a credit score of 660 or higher typically qualifies for favorable terms.
Understanding these benchmarks before you apply will help you secure faster approvals and stronger terms.
REIF Loans partners with top-tier lenders to deliver customized financing solutions. Our programs include:
Simplified documentation and faster closings for smaller investment properties.
Full-doc financing with competitive rates for stabilized, cash-flowing properties.
Short-term financing for acquisitions, renovations, or repositioning properties before securing permanent debt.
Qualification based on property income rather than personal income.
Government-backed programs for owner-occupied commercial properties and business expansions.
Flexible funding for new developments or major upgrades to existing buildings.
Access built-up equity to reinvest in new deals, renovations, or debt consolidation.
Our streamlined process takes the stress out of commercial financing.
Share details about your property type, purchase price, or refinance objective.
We evaluate DSCR, rent roll, and cap rate to determine best-fit programs.
Choose from conventional, SBA, or bridge programs tailored to your timeline and strategy.
We guide you through underwriting, documentation, and funding with transparent communication throughout.
We built REIF Loans to help investors succeed, not just close loans. Our team has walked in your shoes. we’ve bought, financed, and managed properties ourselves. That experience shapes every recommendation we make.
With REIF Loans, you’re not dealing with a bank, you’re partnering with experienced investors who understand your goals.
Whether you’re acquiring a multifamily property, repositioning a mixed-use asset, or refinancing an existing loan, REIF Loans provides transparent, investor-focused financing designed to grow your portfolio.
