Loan Programs

  • 5+ Unit Multifamily

    Best for: Acquisitions, value-add, or transitional properties

    Highlights

    • Rates starting in the 7% range

    • Up to 80% LTC on purchase

    • 100% of rehab funded

    • Interest-only for 12–24 months

    • Close in ~45 days

    Good to know

    • Minimum 650 FICO

    • No tax returns or W-2s required

  • Banks, Credit Unions & Agencies

    Best for: Stabilized or near-stabilized multifamily

    Highlights

    • Rates starting in the 5s–6s

    • Up to 80% LTV purchase

    • Cash-out refi up to 75% LTV

    • 30-year amortization

    • 5–15 year rate locks

    Good to know

    • Agency loans may include prepayment penalties

    • Minimum loan sizes apply

  • 5+ Unit Projects

    Best for: Ground-up multifamily development

    Highlights

    • Up to 85% LTC

    • Up to 65% of ARV

    • Loan sizes $500K–$5M (higher with exceptions)

    • Interest-only during construction

    • No tax returns required

    Good to know

    • Minimum 650 FICO

    • Sponsor experience matters

At GSM, we offer a full suite of products to cover every stage of the real estate investment life cycle—from new construction, bridge, and fix & flip loans to permanent bank, credit union, and government agency financing. With deep structuring expertise and broad access to capital, we craft tailored, efficient loan solutions designed to optimize your portfolio and investment strategy.

Beyond Brrrr

Beyond Brrrr is a subsidary of GSM that specializes in private financing for 1-4 family investments.

  • Best for: Long-term rental or short-term rental investors

    • Rates typically in the mid-6% to low-7% range

    • Loan sizes $150K+

    • Up to 80% LTV purchase

    • Up to 75% LTV cash-out refinance

    • No tax returns or W-2s required

    • Close in 2–3 weeks

    • Portfolio and short-term rental options available

    • Interest-only options available

    • 30-year amortization

    • 30-year fixed rate options available

  • Best for: Value-add and heavy rehab projects

    • Rates typically in the 10%–12% range

    • Up to 92.5% of purchase price

    • 100% of rehab budget financed

    • Up to 75% loan-to-ARV

    • Loan sizes $100K–$2M

    • Close in as little as 7–10 days

    • No tax returns or W-2s required

    • 12–18 month interest-only terms

    • Minimum 650 FICO

    • Guarantee required from 51% ownership

    • No prepayment penalty

  • Direct Lender

    Best for: Ground-up residential construction

    • Construction rates typically in the high-9% to low-11% range

    • Up to 90% LTC

    • Up to 75% of ARV

    • Up to 75% of purchase price

    • Loan sizes $500K–$2M
      (up to $5M with exception)

    • Eligible properties:
      1–4 family, warrantable condos, townhomes

    • No tax returns or W-2s required

    • 12–18 month interest-only construction term

    • Minimum 650 FICO

    • No prepayment penalty