How does ACP finance commercial real estate?
ACP Lending structures long-term, 30-year fixed financing with no balloon for commercial investment properties, including assisted living homes, 5+ unit multifamily and mixed-use properties, with no minimum credit score on certain programs.
What are ACP's commercial terms?
| Structure | 30-year fixed, no balloon |
| Transactions | Purchase and cash-out refinance, including refinance out of a bridge loan |
| Credit | No minimum credit score on certain programs, with a 50% LTV option for recent credit events. |
| Property types | Assisted living homes, 5+ unit multifamily, mixed-use and commercial investment properties |
Assisted Living Homes (1–4 Units)
- 30-year fixed, no balloon, with a 10-year interest-only option
- Purchase and cash-out refinance
- Up to 75% LTV on purchases, $75,000 to $2,000,000, with no minimum credit score
- Up to $10,000,000 at 65% LTV for experienced investors in major metros
- No major structural renovations
Long-Term (5+ Units and Mixed-Use)
- 30-year fixed, no balloon, from $100,000
- Up to 75% LTV on purchases
- No minimum credit score
What We Review
Property location, value, use, rent roll or operating income, occupancy, borrower liquidity, experience, and exit strategy. Every transaction is evaluated individually. Manufactured homes, land and hospitality are not eligible on these programs.
Commercial Loan FAQ
What commercial properties does ACP finance?
Investment commercial real estate including assisted living homes (1–4 units), 5+ unit multifamily and mixed-use properties, with 30-year fixed financing and no balloon.
Is there a minimum credit score?
No minimum credit score on certain programs, with a 50% LTV option for recent credit events.
Can I refinance out of a bridge loan into a commercial long-term loan?
Yes. Refinancing out of a bridge loan into 30-year fixed financing is available on 5+ unit, mixed-use and commercial properties.
Request a Commercial Loan Quote
Send the property address, property type, purchase price or current value, requested loan amount, transaction type, and estimated credit score. I will review the opportunity and outline the available structure.
Steve Waller | ACP Real Estate Lending
[email protected] | 936-522-8951
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