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Stabilized Bridge

Ross Commercial Capital Group 
Makes Bridge
Loans Easy

Ross Commercial Capital Group Multifamily Term loans provide you with a reliable funding source for landlords, multifamily investors and property managers looking for long-term financing for properties with 5 to 8 units.

​Multifamily Terms

Property Types

5-8 Unit Residential Properties

Loan Amount

$250,000 - $3,000,000

Loan Type

30-Year Fixed Rate Mortgage, OR 5/6, 7/6, 10/6 hybrid ARMs (Partial IO or Fully Amortizing)


Full Recourse or Non Recourse with bad-boy carveouts and Pledge of Equity of Borrowing Entity

Term Length

30 Years


If Owned <3 months, 70% of Total Cost Basis
If Owned between 3 and 6 months, additional 5% haircut on Max Eligible LTV

Maximumi Loan To As-Is Value
(Subject to Minimum FICO)

Purchase/Rate-Term Refinance: 70%
Cashout Refinance: 70%

Minimum Debt Servie Coverage Ratio

1.20x - 1.40x, based on subject market classification (Top, Standard, Small, Very Small).

Minimum Guarantor FICO

Mid-Score of 680

Lease Requirements

Minimum Occupancy Rate of 90% by Unit Count
- Leased Units: Lower of (i) In-Place Rent & (ii) Market Rent
- Unleased Units: 90% of Market Rent (Purchase Loans only)

Attractive alternative to traditional bank and agency financing

Competitive rates, 30-45 day closing timelines and easy seasoning requirements.

Common sense underwriting

No tax returns or borrower income information required, up to 70% LTV with cashout, easy step down prepayment penalty options.

Funding for mixed use properties, including singles and portfolios

We fund residential properties with commercial units if the residential square footage is greater than 50% of the leasable area. You can combine multifamily term properties into portfolios with single property rentals and other multifamily properties.

Loans for Professional Residential 
Real Estate Investors

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