Apartment & Commercial Loans

Niche multi-family and commercial property program
offerings throughout Southern California.


Insignia Mortgage specializes in niche multi-family and commercial property loans that are
custom-tailored for borrowing scenarios that require a specific understanding of the local Southern
California marketplace.

  • Interest-only multi-family financing up to 60% loan-to-value (LTV).
  • 5/1, 7/1 and 10/1 ARM.
  • Access to regional banks & credit unions with local property expertise.
  • Lines of Credit (LOC) up to $5 million.
  • Bank sourced short-term bridge loans: Prime + 2%

Our Apartment and Commercial Loan Program has these additional features:

  • Debt coverage ratio as low as 1:1 DSCR.
  • Foreign buyers OK.
  • Owner/User portfolio lending options.
  • Bank-sourced financing for short-term bridge acquisition of multi-family and owner user – rates start at Prime +2% plus 1.50%.

Transaction Spotlight

The Situation
$8 million investment property purchase with 62.50% lender financing. 

The Solution
Insignia Mortgage underwrote the cash flow and approximate net equity in the borrower’s real estate holdings as well as verified down payment from several business bank accounts, including foreign bank holdings. The loan was made to a Limited Partnership with a foreign national as the general partner. The escrow closed in under 40 days.

The Loan Details

  • $5 million dollar line of credit
  • 2 year term
  • Prime + 1.2550%
  • Interest Only
  • No prepayment penalty
  • 30-day close of escrow