Term Lending
- Property Types: Residential 1-4
Build long-term wealth and financial stability with our Term Lending solutions. Designed for investors seeking predictable cash flow and competitive rates, these loans are perfect for growing or stabilizing your rental portfolio. Whether you’re purchasing your next investment property, refinancing for better terms, or unlocking equity, our streamlined process and flexible options make it easier to focus on what matters most—expanding your portfolio and maximizing returns.
Why Choose Us?
- Speed & Flexibility: We underwrite and fund loans directly, providing faster approvals and more flexible terms.
- Tailored Solutions: Our programs are designed specifically for real estate investors and developers.
- Competitive Terms: Access market-leading rates, high LTVs, and streamlined processes.
- Expert Support: Work with a team of professionals who understand your unique needs and goals.
With extensive experience in office property financing, we understand the complexities of this asset class. From single-tenant buildings to multi-tenant office parks, we provide customized lending solutions to help you maximize your investment potential.
Key Features of Our Office Property Financing
- Loan Amounts: $500,000 to $100 million+
- Loan Types: Acquisition, Refinancing, Construction, Value-Add Renovations, and Repositioning
- Max Loan-to-Value (LTV): Up to 75%
- Amortization Terms: 20–30 years
- Interest Rates: Competitive rates available upon request
- Time to Close: Deal specific, but typically 45–60 days on average
Borrower Requirements
- Minimum FICO: Underwriting Specific – see below
- Recourse and Non-Recourse options available
- Strong property financials and stable tenant mix preferred
- Occupancy Types: Owner-occupied or investor-owned properties
Specialized Office Financing Considerations
Our office property financing solutions are tailored to address the following factors:
- Tenant Mix: Evaluate the stability and diversity of tenants, including anchor tenants and small businesses.
- Lease Structures: Analyze lease terms, escalations, and tenant creditworthiness.
- Market Trends: Assess the property’s location, demand for office space, and nearby amenities.
- Property Use: Finance a variety of office property types, including single-tenant, multi-tenant, and medical offices.
- Value-Add Opportunities: Provide funding for renovations, upgrades, or repositioning to attract tenants and improve cash flow.
Example Property Types We Finance
- Class A, B, and C Office Buildings
- Medical Office Buildings
- Single-Tenant Office Properties
- Multi-Tenant Office Parks
- Co-Working Spaces
- Mixed-Use Developments with Office Components
Tailored Solutions for Office Property Owners and Investors
Whether you’re looking to acquire a new office property, refinance an existing one, or fund value-add improvements, we provide end-to-end support to ensure a seamless financing process.
Contact Us Today
Ready to explore financing options for your multifamily property? Contact our team to discuss your needs and discover customized solutions.
Full Doc Underwriting
Limited Doc Underwriting
Common Sense Underwriting
Kastali’s Term Lending (Non-SBA)
| Time Required to Close | 21-30 days |
| Loan Size | 350K – 3M |
| Loan Type | 30yr Fixed, 5/6 ARM, 7/6 ARM, 10/6 ARM |
| Loan Purpose | Stabilized Properties, Cross Collateralize – Portfolio, Real Estate (RE) Only, Long-Term Hold, Use Equity – Business Purpose |
| Max LTV | 80% to 1.5M, 75% to 2M, 70% to 3M |
| Terms | 30yr Fixed, 5/6 ARM, 7/6 ARM, 10/6 ARM |
| Amortization | 30yr Full, 15yr Full, 10yr I/O + 20yr |
| Rates | Market + Adjustments |
| DSCR Requirement | 1.0 minimum |
| Lien Position | First Lien Only |
| Borrower Entity | US LLC, Corp, Individual, Trust |
| Minimum FICO | 660 min, 680 > 1.5M, 700 for I/O |
| Prepayment Penalty | 5,4,3,2,1% or 3,2,1% or 2,1% or 1% |
| Recourse | Full Recourse |
| Occupancy Requirement | Investment Only |
| Lender Origination Fees | 1-2 points |
| Broker Fees | Up to 2 points |
| Due Diligence Retainer | $2,500 |
| Processing Fee | $995 Processing, $795 UW |
| Locations | All US except AK, HI, Rural |
| Special Requirements | 6-12mo reserves, C4+ condition, Experience req |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Kastali’s Rate and Term
Rate and Term
| Time Required to Close | 25-35 days |
| Loan Size | 350K – 3M |
| Loan Type | Same as Purchase |
| Loan Purpose | Stabilized Properties, Cross Collateralize – Portfolio, Real Estate (RE) Only, Long-Term Hold, Use Equity – Business Purpose |
| Max LTV | 75% to 1.5M, 70% to 2M, 65% to 3M |
| Terms | Same as Purchase |
| Amortization | Same as Purchase |
| Rates | +0.125% to Base |
| DSCR Requirement | 1.0 minimum |
| Lien Position | First Lien Only |
| Borrower Entity | Same as Purchase |
| Minimum FICO | Same as Purchase |
| Prepayment Penalty | Same as Purchase |
| Recourse | Full Recourse |
| Occupancy Requirement | Investment Only |
| Lender Origination Fees | 1-2 points |
| Broker Fees | Up to 2 points |
| Due Diligence Retainer | $2,500 |
| Processing Fee | Same as Purchase |
| Locations | Same as Purchase |
| Special Requirements | Same + 6mo seasoning |
Kastali’s Cash Out
| Time Required to Close | 30-45 days |
| Loan Size | 350K – 2.5M |
| Loan Type | Same as Purchase |
| Loan Purpose | Stabilized Properties, Cross Collateralize – Portfolio, Real Estate (RE) Only, Long-Term Hold, Use Equity – Business Purpose |
| Max LTV | 75% to 1.5M, 70% to 2M, 65% to 2.5M |
| Terms | Same as Purchase |
| Amortization | Same as Purchase |
| Rates | +0.25% to Base |
| DSCR Requirement | 1.0 minimum |
| Lien Position | First Lien Only |
| Borrower Entity | Same as Purchase |
| Minimum FICO | 680 minimum |
| Prepayment Penalty | Same as Purchase |
| Recourse | Full Recourse |
| Occupancy Requirement | Investment Only |
| Lender Origination Fees | 1-2 points |
| Broker Fees | Up to 2 points |
| Due Diligence Retainer | $2,500 |
| Processing Fee | Same as Purchase |
| Locations | Same as Purchase |
| Special Requirements | Same + 12mo seasoning |
***Rates and terms subject to change without notice.
| Time Required to Close | 30-45 days |
| Loan Size | 350K – 5M |
| Loan Type | 30yr Fixed, Custom Terms Available |
| Loan Purpose | Stabilized Properties, Cross Collateralize – Portfolio, Real Estate (RE) Only, Long-Term Hold, Use Equity – Business Purpose |
| Max LTV | 85% to 1M, 80% to 2M, 75% to 5M |
| Terms | Custom Terms 5-30 years |
| Amortization | Custom Amort, I/O Available |
| Rates | Custom Pricing |
| DSCR Requirement | 1.15 minimum |
| Lien Position | First Lien Only |
| Borrower Entity | Same as Purchase |
| Minimum FICO | 720 minimum |
| Prepayment Penalty | Customizable |
| Recourse | Limited Recourse Available |
| Occupancy Requirement | Investment Only |
| Lender Origination Fees | 1-3 points |
| Broker Fees | Up to 3 points |
| Due Diligence Retainer | $5,000 |
| Processing Fee | $1,495 Processing, $995 UW |
| Locations | Nationwide except AK, HI |
| Special Requirements | Custom structures, Cross-collateral ok, Portfolio pricing |
| Time Required to Close | 30-45 days |
| Loan Size | 350K – 2M |
| Loan Type | 30yr Fixed, 5/6 ARM, 7/6 ARM |
| Loan Purpose | Stabilized Properties, Cross Collateralize – Portfolio, Real Estate (RE) Only, Long-Term Hold, Use Equity – Business Purpose |
| Max LTV | 70% to 1M, 65% to 1.5M, 60% to 2M |
| Terms | 30yr Fixed, 5/6 ARM, 7/6 ARM |
| Amortization | 30yr Full Only |
| Rates | +0.50% to Base |
| DSCR Requirement | 1.25 minimum |
| Lien Position | First Lien Only |
| Borrower Entity | US LLC Only |
| Minimum FICO | 700 minimum |
| Prepayment Penalty | 5,4,3,2,1% |
| Recourse | Full Recourse |
| Occupancy Requirement | STR Only |
| Lender Origination Fees | 2 points |
| Broker Fees | Up to 2 points |
| Due Diligence Retainer | $3,500 |
| Processing Fee | $1,295 Processing, $895 UW |
| Locations | Top 50 MSAs, Tourist Areas |
| Special Requirements | STR history, Market analysis, Occupancy data |