No Doc Commercial Financing
A streamlined financing solution for investors seeking a faster approval process without tax returns or bank statements. Ideal for a wide range of commercial and multifamily properties.
Income-Producing Properties
Commercial and Multifamily Financing for Real Estate
Investors
Flexible financing solutions for multifamily, mixed-use, retail, office, industrial, self-storage, warehouse, and other income-producing commercial properties. Whether you’re purchasing, refinancing, renovating, or repositioning a property, IRF offers funding options designed for both new and experienced investors.
- No Income Docs Required
- Value-Add & Renovation Funding Available
- No Credit Pull Required
Commercial and Multifamily Financing Solutions
Commercial and multifamily financing provides funding for income-producing properties such as apartment buildings, mixed-use properties, retail centers, office buildings, warehouses, self-storage facilities, industrial properties, and other commercial real estate assets. These financing solutions help investors acquire, refinance, renovate, or reposition properties to support their long-term investment goals.
Unlike traditional residential lending, commercial financing is often structured around the property’s value, cash flow potential, and overall investment opportunity. This allows investors to access financing for a wide range of property types and business strategies, including stabilized assets, value-add opportunities, and renovation projects.
Whether you are expanding an existing portfolio or pursuing a new investment opportunity, commercial and multifamily financing can provide the capital needed to purchase, improve, refinance, or grow income-producing real estate.
Whether you’re purchasing a property that needs cosmetic updates or a more extensive renovation, fix and flip financing can provide the capital needed to acquire and improve the property before it is sold. Many investors use these loans to fund projects that may not qualify for conventional bank financing.
We offer fix & flip loan programs for both new and experienced real estate investors. Our financing solutions are designed to support a variety of investment strategies, helping borrowers secure funding for projects across multiple U.S. markets.
Asset Classes
Property Types We Finance
Multifamily Apartments
Office Buildings
Retail Centers
Mixed-Use Properties
Self Storage Facilities
Warehouses
Manufactured Housing
Special Purpose Real Estate
Program Comparison
Compare our commercial and multifamily financing programs to quickly identify the option that best fits your property type, investment strategy, and financing needs.
Program Details
Explore Our Options
Funding Process
Simple and Transparent Funding Process
Getting commercial or multifamily financing doesn’t have to be complicated. Our streamlined process is designed to help investors move from application to closing as quickly and efficiently as possible.
Guidelines
Basic Criteria for Commercial Funding
Please review the guidelines below to better understand the general requirements for commercial and multifamily financing. Click on any section to view additional details.
Appraisal Requirement
A third-party property appraisal is required for all commercial financing transactions. The appraisal is ordered through an approved appraisal management process and is used to determine property value, loan eligibility, and final financing terms.
Time to Close
Most commercial and multifamily financing transactions close within approximately 30 to 45 days, depending on the complexity of the transaction, appraisal completion, and receipt of required documentation.
Loan Terms Available
Financing terms vary by program and property type. Available options include:
24 Month Bridge Financing
Short-Term Commercial Financing
5 Year ARM Programs
30 Year Fixed Rate Financing
Long-Term Commercial Financing Solutions
24 Month Bridge Financing
Short-Term Commercial Financing
5 Year ARM Programs
30 Year Fixed Rate Financing
Long-Term Commercial Financing Solutions
Loan-to-Value (LTV)
Financing structures vary by program and transaction type.
Up to 50% LTV for certain asset-based commercial programs
Up to 75%–80% LTV for qualified commercial transactions
Up to 80% Purchase Financing available through select programs
Up to 90% CLTV available through Vision Funding
Renovation and value-add financing available on eligible properties
Up to 50% LTV for certain asset-based commercial programs
Up to 75%–80% LTV for qualified commercial transactions
Up to 80% Purchase Financing available through select programs
Up to 90% CLTV available through Vision Funding
Renovation and value-add financing available on eligible properties
Security Interest
All financing is secured by a first lien position against the subject property. Additional collateral requirements, if any, are determined during underwriting based on the transaction structure.
Our Footprint
States We Fund In
Not all loan products are available in each state
Knowledge Center
Frequently Asked Questions
1. What types of commercial properties qualify for financing?
IRF funds a wide range of commercial and multifamily properties, including apartment buildings, mixed-use properties, office buildings, retail centers, warehouses, self-storage facilities, industrial properties, mobile home parks, hotels, and other income-producing real estate.
2. Do first-time commercial investors qualify?
Yes. Some programs are designed for experienced investors, while others may be available to newer investors depending on the property, financing request, and overall strength of the transaction.
3. Are prior bankruptcies or credit challenges acceptable?
Certain programs may allow prior bankruptcies, foreclosures, or other credit events. Eligibility depends on the financing program and the overall details of the transaction.
4. How does renovation funding work?
Some programs offer financing for properties that need improvements, renovations, or repositioning. Funding structures vary based on the property type, project scope, and financing program selected.
5. What is the difference between investor financing and the business owner program?
Investor financing is designed for income-producing investment properties. The 12 Month Bank Statement Program is specifically intended for business owners who occupy and operate their business from the commercial property being financed.
6. Can I use commercial financing for purchases and refinances?
Yes. Depending on the program, financing may be available for purchases, rate-and-term refinances, cash-out refinances, and certain value-add investment opportunities.
7. Is seller financing allowed?
Some commercial financing programs allow seller-held financing or subordinate financing structures. Availability depends on the specific program and transaction details.
8. How do I know which program is right for me?
The best financing option depends on factors such as property type, loan amount, credit profile, investment strategy, and whether the property is investor-owned or owner-occupied. Our team can help identify the most suitable program during the pre-qualification process.
Ready to Get Started?
Whether you’re purchasing, refinancing, or improving a commercial or multifamily property, IRF offers flexible financing solutions designed to help you move forward with confidence.