Fidelity Commercial Funding offers a variety of loan programs customized to fit your unique needs. Our loan programs range in size from $500,000 to $10,000,000 with specific requirements and pricing based on your investment objectives.

Apartment Loans From $500,000 – $5,000,000

  • 15 and 30 Year Amortizations
  • 3, 5, 7, 10, 15 Year Fixed Rate Terms
  • No Defeasance or Yield Maintenance
  • No Lender Points
  • No Replacement Reserves
  • Monthly / Annual Leases Acceptable
  • Substitute Leases With Bank Statements
  • A, B and C Property Types Considered
  • No Balloon or Call Provisions
  • Maximum LTV 80% / 85% CLTV
  • Step Down Prepayment

  • Minimum DSC of 1.15:1
  • Standard 1% Fee Closing Cost
  • No Outside Legal Fees
  • 60 Day Rate Lock
  • Limited Impound Requirements
  • Assumable at Lender Discretion
    • 3% Seller Concession Allowed on Purchases
    • 10% Seller 2nd Allowed on a Case by Case Basis
    • Mixed-Use Commercial/Residential Acceptable to 25% Commercial Use


Mobile Home Parks Eligible for Apartment Loan Program with 15+ Pads

Property management experience is generally required for properties with 12 or more units, or property management letter and resume may be substituted.

Competitive closing costs for apartment loans to $5 million. Costs include standard third party reports including inspection, appraisal, engineering, environmental, lender fees, document fees, and in-house legal.

Apartment Loans From $5,000,000

  • Customizable Fixed Rate Terms — 5, 7, 10, 15, 18, 20, 25, & 30 Yr. Terms
  • Defeasance, Yield Maintenance, and Decreasing Term Prepayment Options
  • Single or Multi-Asset Properties
  • Cash, MBS, or DMBS Execution
  • 365 Day Extended Rate Locks
  • Balloon or Non-Balloon Terms
  • Non-Recourse Above $1.5 Million
  • Tiered Risk-Based Pricing

Equal Housing Lender. Fidelity Commercial Funding, Some products may not be available in all states.

CA. Bureau of Real Estate Broker, License #01298221, NMLS #268792

    equal housing lender