BUY AND HOLD.  This is the fastest growing segment of our product mix.

Single Family Residential and 2-4 Unit Questions and Answers

I just want to know what I qualify for.  

We will take a look at your credit, do a cursory review of the property including demographics and outside photos as well as a neighborhood scan and review your application.  Nothing's free these days, but we're keeping the cost very low.  We charge $25 for an individual, $50 for a joint application and $100 for a corporation.  Not bad to know what you've got before you order an appraisal.  Go to the bottom of this page, click on the "Apply now" button and get yourself started.  You'll be contacted by one of our loan specialists within the hour.

I don't want to deal with just any lender.  I don't want to be involved with someone on their first rodeo.

We've been working with investors since 1992.  Yours isn't our first loan and it surely won't be the last.

I own a bunch of properties and I've been turned down because of it, so I know you'll just say "No."
There is no limit on the numbers of properties owned.  This isn't Fannie Mae or Freddie Mac.

I own a bunch of properties, a few businesses and my tax returns are complicated (In fact, I'm a pretty big deal).  I have a lot of write off's to keep my taxable income low, but it's hurting my ability to get a loan.  How can you help?
In some instances, we don't require tax returns.  In other instances, we can use 12 or 24 month's bank statements to qualify.  We want to close loans and we try to keep things simple.

I'm looking at a good sized loan.  What is your maximum loan size?
We can go $1,000,000 on this product.

I need 100% financing on this investor property.  Joe Blow's mortgage company said they'd do it.  What can you do?
Why are we wasting time talking?  You should run down to Joe Blow's to scoop up his deal; and while you're at it, ride his unicorn that dances on rainbows.  

Our maximum loan to value is 75%.  If you can't put up 25% on a non-owner that doesn't require rehab, you should seriously reevaluate your situation and what you're trying to accomplish.

My credit is a little beat up.  Can you still do my loan?
We'll go down to a 600 credit score (at a reduced loan to value).  Let us take a look.  Either way, we'll let you know within 24  hours.

With our common-sense underwriting approach, US Commercial continues to get loans funded that others can’t in the under-served niche between banks and hard money lenders.
We understand that you deserve better options and we are proud to offer our unique solutions. 


Contact us on the deal hotline at 202-491-6461.  We will:

  • help you structure your loan
  • review the costs, quote you a rate and terms
  • let you know what's next

Go to the application below and fill out the form.  It won't take long to get started. 

Row houses like these in Baltimore are perfect for our Investor 1-4 program.  The combination of a beautiful property, positive cash flow and low cost works for any investor.

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