Real Estate Investment Loans Made Simple

Individual Investors
Brokers
FAM Mortgage Advisors

Direct Private Money Financing for Residential Investment Properties

Single Rental Loan

Competitive 30-year fixed-rate loan

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Portfolio Rental Loan

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

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Fix & Flip Loan

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

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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**
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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)
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We have the product to meet your needs.

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*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%.