Real Estate Investment Loans Made Simple

Individual Investors
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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New Construction Loan

Ground-up construction financing for builders and investors

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  • Someone that Works as Hard as You Do

    "It’s all about relationships, said Rashon, explaining why he and Alia have done repeated business with Finance of America Commercial. This business can be hard. You want to find someone who works as hard as you do, and understands your needs."

    Rashon and Alia

  • Loans Underwritten on Property Cash Flow

    "The Finance of America Commercial product is good for an investor. I like that the loans are underwritten on property cash flow and that they offer a 30-year fixed rate on a rental property loan."

    Brad M.

  • A Seamless Process

    "Working with Finance of America Commercial was a positive experience. They told me what information and documents I needed to provide. The associate I worked with was very nice and very helpful. It was a seamless process. I plan to continue working with Finance of America Commercial and I would recommend this company to others."

    Chenesha H.

  • List all Testimonials

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 65% 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%.