Multi Family and Commercial Loans
5/1 ARM
Term
5.625%
Interest Rate
5.729%
APR
Multi-Family & Commercial Loans
Scaling beyond single-family investing introduces a different set of variables. Larger loan amounts, income-driven underwriting, and asset performance matter more than personal income alone.
Insignia works with entrepreneurs, investors, and owner-operators who need financing that reflects how multi-family and commercial properties actually perform, not one-size-fits-all lending rules.
Our Multi-Family & Commercial Programs
Multi-Family & Mixed-Use Financing
Multi-family and mixed-use properties require lenders who understand tenant income, operating expenses, and local market fundamentals.
We work closely with regional banks and credit unions that move efficiently and bring local property expertise to the table. These programs are designed for entrepreneurs and non-institutional investors scaling beyond single-family holdings.
In practice, these loans are structured around:
- Loan amounts up to $20M
- Recourse and non-recourse options
- Interest-only structures available
- Flexible DSCR requirements, often as low as 1.10x
- Competitive loan-to-value ratios
- No prepayment penalties on select programs
These loans are commonly used for apartment buildings and mixed-use properties where income performance drives underwriting.
Commercial Real Estate Financing
Commercial assets introduce even more variation. Each property type carries different risks, income stability, and lender expectations.
Insignia arranges financing for a wide range of commercial properties, including:
- Triple-net leases where tenants cover taxes, insurance, and maintenance
- Office buildings
- Open-air strip centers
- Industrial properties
- Owner-user commercial assets
In practice, commercial loans are structured with:
No prepayment penalties on certain structures
Competitive loan-to-value ratios
Portfolio and relationship-based lending options
Owner-user financing up to 85% of appraised value on select programs
Is Multi-Family or Commercial Financing the Right Fit?
These loans are not about speed for speed’s sake. They are about alignment.
They are typically a good fit if:
- The property produces or is expected to produce consistent income
- Financing decisions are driven by cash flow and long-term performance
- The asset no longer fits residential lending guidelines
- The investor or owner-user needs terms that reflect how the property actually operates
They may not be the right fit for short-term transitional assets or properties still in early repositioning. In those cases, bridge or fix-and-flip financing may be more appropriate.
That distinction matters early.
Jumbo Loan Programs
Explore Your Loan Options
Whether you want long-term stability or short-term flexibility, we’ll connect you with the jumbo loan program that fits your goals.
How We Take You From Consultation to Close
Every borrower has different goals. Some want predictability—others want the flexibility to keep cash free for investments. That’s why we offer multiple jumbo loan structures.
Application & Analysis
We start by reviewing the property, income, expenses, and ownership structure. The focus is on how the asset performs, not how neatly it fits a template.
Lender Alignment
We match the deal to lenders whose underwriting approach aligns with the property type, risk profile, and investment strategy.
Loan Approval
We anticipate lender questions early and address them before they slow the process. That preparation keeps timelines realistic and predictable.
Closing
We coordinate directly with all parties to keep the transaction organized through closing.
Frequently Asked Questions
Why Clients
Choose Insignia
Our Team
Our brokers rank among the top 50 in the nation. They’re the people who cut through the red tape and open doors to niche lenders. But what matters more is what that means for you—speed, clarity, hands-on support, and a confident close.
Damon Germanides
Co-founder / Broker
Chris Furie
Co-founder / Broker
Neil Patel, CPA
Principal / Head of Sales
Julie Flatland
Head of Underwriting & Operations Manager
Michael Nassirzadeh
Broker Associate/Senior Commercial Loan Analyst
Noah Furie
Capital Markets
Jonathan Bulaon
Loan Originator
Todd William Harris
Head of Construction Lending & Broker Associate
Patrick Mckenna
Broker Associate
Romy Nourafchan
Broker Associate
Scott T. Sealey
Senior Loan Originator/First-Time Home Buyer Expert
Nick Van Dueck
Donabel Aguila
Loan Set Up
Richard Cadiente
Senior Processor
Jesebel Da Sagun
Senior Underwriter
Rhonda Ramirez
Loan Officer Assistant/Senior Processor
James DeBeck
IT Management
Euereze Tabar
Accounting
Who We Serve
Every client has a different story. Our job is to take that story, however complex it is, and turn it into a financing solution that works.
Private & High-Net-Worth Clients
Wealth rarely fits inside a template. Trusts, layered assets, and investment portfolios often confuse traditional underwriters. We know how to structure these profiles clearly and persuasively, ensuring you get the terms and speed your financial position deserves.
Entrepreneurs & Self-Employed Borrowers
Running a business comes with freedom and just as much complexity. Traditional lenders want pay stubs, not statements, contracts, or cash flow. We translate your true income picture into terms lenders understand, helping you qualify for the financing you deserve.
Foreign National & International Clients
Cross-border finances can be complicated. Whether you’re earning abroad, managing global investments, or buying property in the U.S., we connect you to lenders who understand international assets and residency requirements so approvals don’t get lost in translation.
Real Estate Investors
Opportunities don’t wait, and neither should your financing. From single-unit purchases to portfolios under $20M, we deliver speed and certainty through lenders who understand the investor mindset. We structure real-world investment loans around real-world borrowers.
Community Lending
Not every buyer needs a jumbo loan or a perfect financial profile. Many qualified borrowers simply need access to programs that make homeownership more attainable. That’s exactly what our FHA, VA, conforming, and community lending options are designed to do.