Real Estate Lending

Getting Tough Real Estate Financing Deals Done For Years!



  • Funding $75,000 to $2,000,000
  • Rates From 7%
  • Non-Credit Score Options
  • To 90% LTV + 100% Rehab
  • Unrestricted Cash-Out
  • No Tax Returns/Financials
  • No Population Restrictions
  • No Prepayment Penalty Options
  • (2) Two to (3) Three Week Closings


BS&S’s Jumbo Investment Residential Loan Program is ideal for small commercial (1-to-4 unit) or luxury real estate, for novice and veteran investors. Offering bridge, interest-only and renovation loans for fix and flip transactions and fully amortized mortgages for buy and hold purchases. No primary home ownership, previous landlord experience, personal or property income and is required for this program.?? Bridge and rehab funding programs are currently available primarily in: CA, NV, AZ, CT, GA, MD, VA, MO, IL, OH, CO, PA, FL, TN, TX, WA, WV, NJ, MI, LA, NC & AL and our permanent real estate loan program is available nationwide.





Real Estate-Based Asset

  • Investment Properties
  • Acquisition/Purchase
  • Refinance with Cash Out
  • Rate & Term Refinance
  • Debt & Equity Loans
  • Permanent Placement
  • Acquisition & Development Loans
  • Blanket Loans (Multiple properties)
  • Construction & Renovation Loans
  • Non-Recourse Mortgages ($5,000,000+)
  • Hard Money Loans (Challenging credit scenarios)
  • Corporate Entity and Limited-Liability (LLC) Loans
  • (SBA) Small Business Administration 504 and 7A Loans
  • Small Cap Bridge Loans ($2,000,000 or less) 1 to 2 Years
  • Jumbo Bridge Loans ($2,000,000 or more) 2 to 3 Years
  • International Financing (Caribbean, South America, Central America, Canada and Mexico)


Property Types (including, but not limited to)

  • Mixed Use
  • Single Tenant
  • Retail Buildings
  • Golf Courses
  • Office Buildings
  • Bed and Breakfast
  • Storage Facilities
  • Land Development
  • Auto Body & Repair
  • Restaurants/Taverns
  • C-Store/ Gas Stations
  • Warehouse & Industrial
  • Special Purpose Properties
  • Multi-Family (5+ Units)
  • Mobile Home Communities
  • International Land Development
  • Large Apartment Buildings (20+ Units)
  • Hotels & Motels (Flagged or Non-Flagged)
  • Acquisition, Construction and Development


Business-Based Funding

  • Export/Import Trade Finance
  • Bank Instrument Funding (Micro-Macro)
  • Accounts Receivable Funding (Factoring)
  • Small Business Loans for Working Capital
  • Commercial Equipment Finance & Leasing
  • Business Lines-of-Credit (Business established 2+ years)
  • Term Loans/Business Acquisitions/(generally 5+ years)


Additional Real Estate & Business-Related Services

  • Consulting & Business Advisory
  • Feasibility Studies and Business Plans
  • Investment Real Estate Income Analysis
  • Development Implementation & Strategy
  • Press Kit & Executive Summary Preparation
  • Real Estate Sales & Marketing (Choice Markets)


Funding Categories


No Documentation: The borrower’s income is not required or disclosed to the lender. This particular underwriting category and loan type tends to have the highest interest rates and is classified as hard money.


Full Documentation: Within this category, the borrower’s income is confirmed with a recent business tax return. With funding requests under this program, federal tax returns are needed for owner-occupied businesses as well. This funding program has the most competitive interest rates.

Credit Requirements: Business and commercial credit are welcome, and we have worked with all sorts of credit. Of course, credit is a factor and with higher fico scores there is a lower interest rate. With commercial funding, there are several additional factors that are considered and that ultimately contribute to the mortgage rate.


Funding Amounts

Small Balance Loans: Are real estate loans amounts of $2,000,000 or less. The financial profile of the guarantor and/or borrower, which includes the rating fico score are important factors in these funding decisions. The cash flow of the transaction should also compliment the project to provide funding terms of approval.


Jumbo Balance Loans: Loans of $2,000,000 or more fit this category. Deals in this category fall under guidelines that focus more on project worthiness. And of course, sponsor and/or guarantor overall strength is a factor as well.


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