Niche & Special Use Property Financing
Secure financing for unique and specialized property types with our tailored lending solutions. Whether you’re acquiring, refinancing, or redeveloping niche properties, we offer a range of loan programs designed to meet the challenges of these non-traditional assets.
Why Choose Us?
Financing niche and special use properties requires a deep understanding of their unique characteristics, market dynamics, and operational requirements. Our expertise ensures a smooth process, competitive rates, and customized terms to help you achieve your investment goals.
Key Features of Our Niche & Special Use Property Financing
- Loan Amounts: $500,000 to $50 million+
- Loan Types: Acquisition, Refinancing, Construction, Value-Add Renovations, and Redevelopment
- Max Loan-to-Value (LTV): Up to 70%
- Amortization Terms: 15–30 years
- Interest Rates: Competitive rates available upon request
- Time to Close: 45–90 days on average
Borrower Requirements
- Minimum FICO: 680+ (620+ for SBA-backed loans – case by case)
- Recourse and Non-Recourse: Available options
- Preferred Criteria: Strong property financials and operational stability
- Occupancy Types: Owner-occupied or investor-owned properties
Specialized Niche Property Financing Considerations
Our niche property financing solutions are tailored to address the following factors:
- Property Type: Finance unique properties such as hotels, gas stations, self-storage facilities, car washes, senior housing, and more.
- Market Viability: Evaluate the demand and market trends for the specific niche property type.
- Operational Complexity: Address the operational requirements and challenges of specialized properties.
- Zoning and Licensing: Navigate zoning regulations, licensing, and compliance requirements for special use properties.
- Value-Add Opportunities: Provide funding for renovations, upgrades, or redevelopment to maximize property value and cash flow.
Example Property Types We Finance
- Hotels and Motels
- Gas Stations and Convenience Stores
- Self-Storage Facilities
- Car Washes
- Senior Housing and Assisted Living Facilities
- Mobile Home Parks
- Entertainment Venues (e.g., theaters, bowling alleys)
- Marinas and Recreational Facilities
- Specialized Medical Facilities (e.g., surgery centers, urgent care)
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
Limited Doc Underwriting
Common Sense Underwriting
Kastali’s Term Lending (Non-SBA)
| Time Required to Close | 45-60 Days on Average |
| Loan Size | 500k to 3M |
| Loan Type | Purchase, Rate & Term, & Limited Cash-Out |
| Loan Purpose | Stabilized Properties, Cross Collateralize – Portfolio, Real Estate (RE) Only, Long-Term Hold, Use Equity – Business Purpose, USDA – Rural |
| Max LTV | Up to 65-70% LTV |
| Terms | 5, 7, 10yr terms |
| Amortization | 20yrs |
| Rates | On request – Please Call |
| DSCR Requirement | 1.25x to 1.45x |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Corporate Structure Required |
| Minimum FICO | 680+ Minimum |
| Prepayment Penalty | Yes – Step down |
| Recourse | Full Recourse |
| Occupancy Requirement | Investor / Owner-Occupied |
| Lender Origination Fees | 0.5%-1.5% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $2,500-$7,500+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Good Credit History |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Kastali’s SBA 504/7a
| Time Required to Close | 60-90 Days on Average |
| Loan Size | 500k to 10M (504) / (7a) |
| Loan Type | Purchase, Rate & Term, Cash-Out |
| Loan Purpose | Small Business, Business Only, Real Estate (RE) Only, RE & Business, Stabilized Businesses, USDA – Rural, Construction to Perm, Equipment Financing, Working Capital Loans, Franchise Financing, Owner-Occupied Commercial Real Estate Financing, Use Equity – Business Purpose |
| Max LTV | Up to 85-90% LTV (504) / (7a) |
| Terms | 5, 7, 10 Up to 25yr (504) / (7a) |
| Amortization | 25yrs |
| Rates | Based on SBA rates – Call for details |
| DSCR Requirement | 1.15x to 1.25x |
| Lien Position | First Trust Deed Only |
| Borrower Entity | For-Profit Business Entity |
| Minimum FICO | 640+ for SBA |
| Prepayment Penalty | SBA Guidelines Apply |
| Recourse | Full Personal Guarantee |
| Occupancy Requirement | 51%+ Owner Occupied |
| Lender Origination Fees | SBA Fee Schedule+ 0.5-1.5% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $7,500-$12,000+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | 2+ Years Business History |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Kastali’s CMBS / Life Co. Lending
| Time Required to Close | 60-90 Days on Average |
| Loan Size | 3M to 100M+ |
| Loan Type | Purchase, Rate & Term, Cash-Out |
| Loan Purpose | Stabilized Properties, Real Estate (RE) Only, Cross Collateralize – Portfolio, Large Balance – Institutional Properties, Long-Term Hold, Use Equity – Business Purpose |
| Max LTV | Up to 75% LTV |
| Terms | 5, 7, 10yr terms |
| Amortization | 25-30yrs |
| Rates | On request – Please Call |
| DSCR Requirement | 1.25x to 1.45x DSCR |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Single Asset Entity |
| Minimum FICO | 700+ preferred / 680 min |
| Prepayment Penalty | Yield Maintenance/Step down |
| Recourse | Non-Recourse Available |
| Occupancy Requirement | Investor / Owner-Occupied |
| Lender Origination Fees | 0.5%-1.5% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $10,000-$15,000+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Strong Property Financials |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Full Doc Underwriting
Limited Doc Underwriting
Common Sense Underwriting
Kastali’s Bridge Lending
| Time Required to Close | 4-6 Weeks on Average |
| Loan Size | 500k to 50M+ |
| Loan Type | Purchase, Rate & Term, Cash-Out |
| Loan Purpose | Bridge to Perm / Sell, Value-Add / Light Rehab Fix n Flip/Hold, Value-Add / Lease-Up & Stabilize, Construction to Perm, Quick Close, Bad Credit, Light Document, Reduced Underwriting, Short-Term, Distressed Property, Use Equity – Business Purpose |
| Max LTV | Up to 75% LTV |
| Terms | 1-3yr terms |
| Amortization | 30yrs – Typically I/O |
| Rates | On request – Please Call |
| DSCR Requirement | 1.0x DSCR minimum |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Single Asset Entity |
| Minimum FICO | 680+ preferred / 650 min |
| Prepayment Penalty | Typically 3-1% step down |
| Recourse | Typically Recourse |
| Occupancy Requirement | Investor / Owner-Occupied |
| Lender Origination Fees | 1%-3% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $5,000-$7,500+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Exit Strategy Required |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Full Doc Underwriting
Limited Doc Underwriting
Common Sense Underwriting
Kastali’s Hard Money Lending
| Time Required to Close | 1-2 Weeks on Average |
| Loan Size | 500k to 20M+ |
| Loan Type | Purchase, Rate & Term, Cash-Out |
| Loan Purpose | Quick Close, Bad Credit, Light Document, Value-Add / Light Rehab Fix n Flip/Hold, Value-Add / Repurpose, Construction – Heavy / Add Sq. Ft, Construction – Land Development, Non-Performing Asset Acquisition, Distressed Borrowers, Distressed Property, Use Equity – Business Purpose |
| Max LTV | Up to 65% LTV |
| Terms | 12-18mo Terms |
| Amortization | Interest Only – I/O |
| Rates | On request – Please Call |
| DSCR Requirement | Not typically required |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Single Asset Entity |
| Minimum FICO | 600+ preferred / 550 min |
| Prepayment Penalty | Typically None |
| Recourse | Typically Recourse |
| Occupancy Requirement | Investor / Owner-Occupied |
| Lender Origination Fees | 2%-5% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $7,500-$12,000+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Exit Strategy Required |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
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