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Multi-Family &
Commercial

Your West Coast Specialist in Apartment & Commercial Loans.

Insignia Mortgage offers bespoke multi-family and commercial lending products from regional banks. As a seasoned lender in single-family homes, we’ve expanded our expertise to encompass multi-family and commercial properties, delivering unparalleled service and understanding of the West Coast commercial real estate market.

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Schedule an appointment and an expert will call you back when it’s convenient for you.

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Multi-Family and Mixed-Use Financing

Dive into the world of multi-family and mixed-use investments with Insignia Mortgage. Our strategic partnerships with regional banks and credit unions, with their local property acumen and swift processing, open up a realm of possibilities for your next project. Catering specifically to entrepreneurs and non-institutional investors, we excel in navigating loans up to $20M, offering both recourse and non-recourse options, interest-only products, and flexible DSCR requirements as low as 1.10x.

No Prepayment Penalties: Enjoy the freedom to manage your finances without the burden of prepayment fees.

Competitive LTV’s: Achieve outstanding loan-to-value ratios on both multi-family and mixed used properties.

5/ 1 ARM1
Interest Rate
APR
5.875%
5.981%
(From $500,000)
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Commercial Real Estate

For those eyeing commercial property acquisitions or refinancing, Insignia Mortgage is your gateway to success. Whether it’s NNN retail spaces, office buildings, open-air strip centers, or owner-user properties, our extensive network includes both major banks and specialized local lenders. Our offerings are designed to meet the diverse needs of today’s investors:

No Prepayment Penalties: Enjoy the freedom to manage your finances without the burden of prepayment fees.

Owner-User Financing: Secure up to 85% of the appraised value with our tailored portfolio products.

Competitive LTV’s: Achieve outstanding loan-to-value ratios on NNN, office, and industrial properties.

5/ 1 ARM1
Interest Rate
APR
6.000%
6.106%
(From $500,000)
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As Seen In: comb-bloom-wall

Why Choose Insignia Mortgage for Your Commercial Lending Needs?

Local Expertise

Our deep understanding of the West Coast market, combined ensures you receive the best strategic advice and financing solutions.

Tailored Financing Options

From interest-only loans to non-recourse options, our diverse product range is designed to align with your investment strategy.

Dedicated Support

Our team of commercial lending experts is committed to guiding you through every step of the loan placement process, ensuring competitive rates and terms.

Loan Transaction Spotlight

The Situation: Insignia Mortgage was approached to locate commercial property financing on an $8 million owner user art studio. The borrower was seeking a max leverage loan structure with competitive pricing and a step-down prepayment penalty

The Solution: Insignia Mortgage located a local bank willing to go to 80% of the purchase price and customize the prepayment penalty to meet the borrower’s requirement. The borrower brought over his business accounts which subsequently lowered both the rate and the
margin on the loan.

The Loan Details:

  • $6.4M
  • 5 year term and only 2 year prepayment penalty
  • 5 Year Treasury +2% margin
  • 30-day close of escrow
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(1) Disclosures
(1) No Tax Return loans and foreign national loan products require other forms of income documentation and asset verification in lieu of tax returns. Not all applicants will qualify. Some products we offer may have a higher interest rate, more points or more fees than other products requiring more extensive or different documentation. (2) Minimum FICO, reserve, and other requirements apply. Contact your loan officer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APRs and programs are subject to change without notice. Loan to values (LTV) are based on appraised value. Actual closing times will vary based on borrower qualifications and loan terms. All loans are subject to credit approval. (3) With an interest-only mortgage payment, you will not pay down the loan's principal balance during the interest-only period. Once the interest-only period ends, your payments will increase to pay back the principal and interest. Rates are subject to increase over the life of the loan. Contact your Insignia Mortgage, Inc. loan officer to determine what your payments might be once the interest-only period ends. (4) With an adjustable rate mortgage (ARM), once the fixed rate period ends, the loan payment will adjust after an initial period and then adjust on a regular basis as set forth in the loan documents. For example, a “3/1” loan will have an interest adjustment 3 years after the loan closes and every 12 months thereafter. Also, the loan will be subject to annual and lifetime adjustment caps. Contact your Insignia Mortgage loan officer to determine what your payments might be once the fixed rate period of the loan ends. (5) Insignia Mortgage, Inc., is a real estate broker licensed by the CA Department of Real Estate, DRE #01969620, NMLS #1277691
(2) Disclosures
(1) Minimum FICO, reserve, and other requirements apply. Contact your loan officer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APRs and programs are subject to change without notice. Actual closing times will vary based on borrower qualifications and loan terms. All loans are subject to credit approval. (2) “Loan to Cost” (LTC) is defined as the acquisition price of the property plus the cost to build as determined by a bank appraisal. Contact your loan officer for additional program guidelines, restrictions, and eligibility requirements. (3) With an interest-only mortgage payment, you will not pay down the loan's principal balance during the interest-only period. Once the interest-only period ends, your payments will increase to pay back the principal and interest. Rates are subject to increase over the life of the loan. Contact your Insignia Mortgage, Inc. loan officer to determine what your payments might be once the interest-only period ends. (4) With an adjustable rate mortgage (ARM), the loan payment will adjust after an initial period and then adjust on a regular basis as set forth in the loan documents. For example, a “3/1” loan will have an interest adjustment 3 years after the loan closes and every 12 months thereafter. Also, the loan will be subject to annual and lifetime adjustment caps. Contact your Insignia Mortgage loan officer to determine what your payments might be once the fixed rate period of the loan ends. (5) Insignia Mortgage, Inc., is a real estate broker licensed by the CA Department of Real Estate, DRE #01969620, NMLS #1277691.