Investment property loans

Capital for investors who move fast.

DSCR rental loans, fix & flip bridge financing, ground-up construction and commercial property loans — approved on the strength of the deal, with term sheets in as little as 24 hours.

Commercial Investment Property Loans

Financing for income-producing and owner-occupied commercial real estate.

Acquisition and refinance loans for commercial assets — from a single retail building to a 100+ unit apartment complex. We underwrite to the property's income and your business plan, and structure the loan around how you intend to hold, operate or reposition the asset.

Full commercial properties

Office, retail, industrial, warehouse, self-storage and other income-producing commercial buildings.

Mixed-use properties

Buildings combining residential units with retail or office space — street-level storefronts with apartments above.

Owner-occupied commercial

For business owners purchasing or refinancing the property their company operates from.

Large multifamily assets

5+ unit apartment buildings up to large multifamily complexes with 100+ units.

Ideal for

Commercial investors and syndicatorsBusiness owners buying their own buildingMultifamily operators scaling upCash-out refinance of existing commercial assets
  • Purchase, refinance and cash-out
  • Bridge-to-permanent options for value-add deals
  • Close in an LLC or other entity
  • Recourse and non-recourse options

Documents you'll need

  • Purchase contract or current mortgage statement
  • Rent roll and current leases
  • Trailing 12-month operating statement (T-12)
  • Business financials (owner-occupied)
  • Entity docs, personal financial statement and photo ID

How to apply

From first call to funded in five steps.

  1. 1

    Tell us about the deal

    Share the property address, purchase price, rehab or build budget and your strategy. Takes about 5 minutes.

  2. 2

    Get a term sheet

    We review the numbers and send you rates, leverage and terms — usually within 24–48 hours.

  3. 3

    Submit your documents

    Upload the checklist for your program. Your founder-level contact helps you fill any gaps.

  4. 4

    Appraisal & underwriting

    We order the appraisal (with ARV for rehab and construction) and underwrite the deal.

  5. 5

    Close & fund

    Sign, close and get funded. Rehab and construction draws are released as work is completed.

Getting approved

What helps your file sail through.

Investor loans focus on the deal more than your paycheck. Come prepared with these and approvals move fast.

Start my application

Know your numbers

Have a clear purchase price, budget and — for DSCR — a realistic rent estimate ready.

Keep reserves on hand

Most programs want 3–6 months of payments in reserves after closing.

Form your LLC early

Closing in an entity? Have your articles, operating agreement and EIN ready.

Show your experience

A list of past projects can unlock higher leverage and better pricing — but it's not required.

STL Equities

Independent mortgage brokerage helping families buy, refinance and invest across New York since 2019.

CompanyNMLS ID #1320558

Contact

(929) 503-1041 inquiries@stlequities.com

450 Lexington Ave, Suite 2200, New York, NY 10017

Mon – Fri 8am – 7pm ET · Sat 9am – 2pm ET

Equal Housing
Opportunity

STL Equities LLC · NMLS ID #1320558. Licensed Mortgage Broker — NYS Department of Financial Services. Verify our license at nmlsconsumeraccess.org.

We are an Equal Housing Opportunity mortgage broker. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. All loans subject to credit approval, underwriting review and property appraisal. Rates, terms and programs are subject to change without notice. This is not a commitment to lend.

© 2026 STL Equities LLC. All rights reserved.