Fix & Flip / Fix & Hold Loans
Turn potential into profit with our Fix & Flip and Fix & Hold loans. These solutions are crafted for investors looking to add value through renovations or repositioning properties for long-term gains. With quick access to funds, flexible draw schedules, and no prepayment penalties, you can focus on transforming properties and building equity while we handle the financing.
Why Choose Us?
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 | Standard |
| Loan Size | $350K-$2M (1-4 units) |
| Loan Type | Business Purpose Only |
| Loan Purpose | Acquisition & Rehab |
| Max LTV | Up to 87.5% (based on experience) |
| Terms | 12-18 Months |
| Amortization | Interest Only |
| Rates | Fixed Rate |
| DSCR Requirement | Sale: 10% profit margin/Rental: 10% rent yield |
| Lien Position | First Lien Only |
| Borrower Entity | LLC, LP, Corp, Trust, IRA/401k |
| Minimum FICO | 660 |
| Prepayment Penalty | Optional, max 6 months |
| Recourse | Full Recourse |
| Occupancy Requirement | Non-Owner Occupied Only |
| Lender Origination Fees | Not specified in document |
| Broker Fees | Not specified in document |
| Due Diligence Retainer | Not specified in document |
| Packaging Deposit | Not specified in document |
| Locations | All US states except: AK, ND, SD, VT, NV |
| Special Requirements | Min property value: $350K (1-4), Experience verification, Min liquidity requirements |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Kastali’s Rate & term
Rate & Term
| Time Required to Close | Standard |
| Loan Size | $350K-$2M (1-4 units) |
| Loan Type | Business Purpose Only |
| Loan Purpose | Refinance Existing Debt |
| Max LTV | See base LTV matrix |
| Terms | 12-18 Months |
| Amortization | Interest Only |
| Rates | Fixed Rate |
| DSCR Requirement | Sale: 10% profit margin/Rental: 10% rent yield |
| Lien Position | First Lien Only |
| Borrower Entity | LLC, LP, Corp, Trust, IRA/401k |
| Minimum FICO | 660 |
| Prepayment Penalty | Optional, max 6 months |
| Recourse | Full Recourse |
| Occupancy Requirement | Non-Owner Occupied Only |
| Lender Origination Fees | Not specified in document |
| Broker Fees | Not specified in document |
| Due Diligence Retainer | Not specified in document |
| Packaging Deposit | Not specified in document |
| Locations | All US states except: AK, ND, SD, VT, NV |
| Special Requirements | No defaulted loans, Must provide payoff letter & payment history |
Kastali’s Cash Out
| Time Required to Close | Standard |
| Loan Size | $350K-$2M (1-4 units) |
| Loan Type | Business Purpose Only |
| Loan Purpose | Utilize Equity for Business Purposes |
| Max LTV | See base LTV matrix with -5% adjustment |
| Terms | 12-18 Months |
| Amortization | Interest Only |
| Rates | Fixed Rate + 0.25% |
| DSCR Requirement | Sale: 10% profit margin/Rental: 10% rent yield |
| Lien Position | First Lien Only |
| Borrower Entity | LLC, LP, Corp, Trust, IRA/401k |
| Minimum FICO | 660 |
| Prepayment Penalty | Optional, max 6 months |
| Recourse | Full Recourse |
| Occupancy Requirement | Non-Owner Occupied Only |
| Lender Origination Fees | Not specified in document |
| Broker Fees | Not specified in document |
| Due Diligence Retainer | Not specified in document |
| Packaging Deposit | Not specified in document |
| Locations | All US states except: AK, ND, SD, VT, NV |
| Special Requirements | No defaulted loans, Must provide payoff letter & payment history |
***Rates and terms subject to change without notice.