Real Estate Investment Loans Made Simple

Direct Private Money Financing for Residential Investment Properties

Single Rental Loan

Competitive 30-year fixed-rate loan

Learn More

Portfolio Rental Loan

Blanket loan to refinance a portfolio with seven or more rental units

Learn More

Fix & Flip Loan

Short-term loans with rates as low as 6.99%*

Learn More

Finance of America Commercial is your partner for all of your real estate investment financing needs

More than 4,000 closed loans totaling over $1.5B in volume
More than 2,000 approved borrowers
Nationwide lender**

Get Started

Our products are tailor-made for residential real estate investors*

Fix & Flip lines of credit up to $10MM and single property loans from $50,000 – $3MM
Fix & Flip financing for up to 90% of acquisition costs and 95% of renovation expenses or 75% of after-repair value
Extremely competitive 5-, 10-, and 30-year asset-based Rental Property loans with no tax returns or personal income required
Financing for non-owner occupied single family residences (SFR’s), condos, townhomes, ground-up new construction, and multi-family properties (up to 30 units for fix & flip and up to 20 units for rental loans)

Get Started

We have the product to meet your needs.

	Single Rental Loan	Portfolio Rental Loan	Fix & Flip Loans	New Construction Loans
Loan Purpose	Purchase a single property, or Refinance a single property, with option to take cash-out***	Take cash out of an existing portfolio to buy more properties, or Refinance or consolidate multiple rental loans	Exposure line up to $10MM for experienced investors (1+ completed flip in the past 2 years)**** Single property loan to acquire and/or renovate a single property to resell	Ground-up construction loans for developers and investors building 1-5 properties at a time Lot financing can be included, if lots are in build-ready condition Program includes exposure line of credit for experienced large volume investors, or single loan option
Interest Rate*	6.50-9.00%	6.00-7.50%	6.99% and up	6.99% and up
Minimum Property Value	$100,000	Multi-family 5-20 units: $30,000 per unit Other property types: $50,000 per unit*****	N/A	N/A
Term	30-year fixed, full amortization	5 years or 10 years with balloon Option to amortize over 30 years or make interest-only payments	9 months, with optional 3 month extension	12 months, with optional 3 month extension
Borrower Type	LLC or Individual	LLC	LLC, Individual, Corporation, LLP or LP	LLC, Individual, Corporation, LLP or LP
Maximum Loan-to-Value (LTV)	80% LTV for Purchase 75% LTV for Refinance	75% LTV for a fully amortized loan 70% LTV for an interest-only loan******	75% of After Repair Value (ARV)*******	75% of ARV*******
Maximum Loan-to-Cost (LTC) Cost is purchase price amount.	Time Owned : Constraint ≤ 90 days : 80% LTC > 90 days : Full appraised value	Time Owned : Constraint ≤ 90 days : 80% LTC > 90 days : Full appraised value	For Line of Credit: 90%****** For Single Loan: 85%******	For Line of Credit: 90% of construction costs****** For Single Loan: 85% of construction costs******
When do we use LTV vs LTC?	Purchase: Use lesser of LTV or LTC calculation Refinance: Use LTC until property has seasoned for 90 days, then use LTV	Purchase: Use lesser of LTV or LTC calculation Refinance: Use LTC until property has seasoned for 90 days, then use LTV	Generally, we use the lesser of LTV or LTC calculation	Generally, we use the lesser of LTV or LTC calculation
Cash Flow Requirement	<$150K value: Max 70% Property Debt-to-Income Ratio (PDTI) ≥$150K value: Max 85% PDTI	Fully Amortized Loan: Debt Service Coverage Ratio (DSRC) of 1.15x Interest Only Loan: DSCR of 1.20x	N/A	N/A
Rehab Financing	N/A	N/A	For Line of Credit: Funding up to 95% of rehab costs, max 75% of ARV For Single Loan: Funding up to 90% of rehab costs, max 75% of ARV	N/A

All fields required.

Get Started

Name*
First Last
Email*
Phone*
By submitting your phone number, you expressly consent to authorize Finance of America Commercial to contact you at the number you provide with information about our loan products and to continue your application. Calls may be made using automated dialing and other phone technology. You do not need to consent to receive calls as a condition of receiving services from us. Please call us at 800.227.8107 if you do not wish to submit this form. By completing this form, you agree to receive offers, promotions and other email messages from Finance of America Commercial. You may unsubscribe at any time.

Building Relationships One Loan at a Time

Meet Our Customers, Rashon and Alia Rashon and Alia are residential real estate investors in the metro Atlanta region. Rashon and Alia connected with Finance of America Commercial (formerly B2R Finance) in 2015. At that time, they were beginning real estate investors with a portfolio of eight rental properties. They had built their business through […] more

Welcome to Finance of America Commercial

We are excited to share the news that B2R Finance has joined the Finance of America family of companies as Finance of America Commercial. We’re also glad to welcome employees from Jordan Capital Finance to our organization. We are excited to begin a new chapter as Finance of America Commercial and we are confident that our employees, borrowers and partners will immediately experience the full breadth of what the Finance of America family has to offer. more

*Loans are subject to investor and business credit approval, appraisal and geographic location of the property and other underwriting criteria. Loan amounts and rates may vary depending upon loan type, LTV, verification of application information and other risk based factors. Application fees, closing costs and other fees may apply.
**Products not available in Alaska, Idaho, North Dakota, Rhode Island, South Dakota, Utah or Vermont.
***Approval for cash-out depends on many loan factors and may not be available on every loan.
****This chart summarizes information about our Fix & Flip Line of Credit Recourse option. We also offer a Non-Recourse Line of Credit product. Please call us for information about our Non-Recourse option.
*****Portfolio loans in the following markets: Baltimore, Chicago, Cleveland, Detroit/Flint, Los Angeles, Miami, New Haven, New Jersey, New Orleans, Oakland, and Philadelphia, require a minimum property value of $100,000.
******Any multi-family property 30 years or older can not exceed a 25-year amortization. These properties will qualify for interest-only loans at a lower LTV.
*******LTV is determined by a combination of factors, including experience, liquidity, net worth, and FICO score. LTV on a Construction Loan is based on the appraiser-projected after-completion value of the construction project. For a New Construction Loan, borrowers with no experience are capped at a max LTV of 70% ARV.
********LTC is determined by a combination of factors, including experience, liquidity, net worth, and FICO score. LTC on a Construction Loan does not include land acquisition costs. For a New Construction Single Loan, borrowers with no experience are capped at a max LTC of 80%.