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State and Main Capital specializes in alternative Commercial Real Estate lending.  Turned down by the bank? Need it done fast? Let us help, we offer programs the banks cannot.

ARV Pro: GREAT for "Fix & Flip" or "Fix and Rent"
 

  • 12.74 – 13.24% Rate

  • 80% LTV on Purchase OR Refinance

  • 100% Rehab (maxing out at the lesser of 80% LTC or 75% ARV)

  • 12/mo IO Loan (6/mo extension for 1 point)

  •  $75,000 - $5,000,000 Loan Amounts

  • 650 FICO requirement

  • 1-4 Unit Investment Properties ONLY

 

FLEX TERM: Perfect for professional property renters
 

  • 9.24 – 11.74% on SFR’s

    • Up-to 75% LTV for Refinance

    • Up-to 75% LTV for Purchase

  • 10.24 – 12.74% on 5+ Multi & Mixed Use

    • Up-to 75% LTV for Refinance

    • Up-to 75% LTV for Purchase

  • 10.74 – 13.24% on Commercial (office, retail, warehouse, etc)

  • Up-to 70% LTV for Refinance

  • Up-to 70% LTV for Purchase

  • 30 Year Fixed rate term (10 Year IO available)

  • $75,000 - $5,000,000 Loan Amounts

  • 600 min FICO requirement (for 60% LTV)

  • All property Categories (SFR, 5+ Multi, Mixed-Use, and Commercial)
     

Our 3 Step Process:

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1. Apply

Fill out our Quick Apply application.

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2. We review your application

We review your goals and present you with programs matching your needs, getting an offer in 24 hours.

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3. Receive funding

Choose the program that fits you best and receive funding within 48 hours.

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