Acquisition
Evaluate stabilized or transitional commercial property acquisitions through income, value, sponsor, and capital structure.
Commercial Real Estate Loan
Commercial Real Estate financing
Capital for multifamily and commercial acquisitions, refinances, construction, and development above $5 million. Qualified projects may be evaluated at sizes exceeding $100 million.
Submitting a request does not create a loan commitment. Terms are indicative until underwriting, diligence, documentation, and credit approval are complete.
Published Program Parameters
Commercial Real Estate terms at a glance
These figures are program parameters, not a quote. The complete transaction determines available leverage, structure, pricing, and approval.
- Loan Amount
- Above $5M–$100MM+
- Term
- 5–30 years
- LTV
- Up to 80%
- Min DSCR
- 1.20x
- Asset Classes
- 5+ units, office, retail, industrial
Use Cases
When Commercial Real Estate may fit
The loan category is the starting point. Property, sponsor, leverage, timing, and exit still have to work together.
Refinance
Replace existing debt or evaluate qualified cash-out requests against property performance and leverage.
Construction + development
Review larger multifamily and commercial development through approvals, budget, team, value, and exit.
Underwriting Lens
What the first review tests
A useful submission explains the transaction in numbers and shows how the intended outcome will be reached.
- Asset class, market, value, and physical condition
- Historical and in-place net operating income
- Rent roll, occupancy, and tenant concentration
- Sponsor net worth, liquidity, and track record
- Requested leverage, recourse, and capital stack
- Construction, stabilization, refinance, or sale exit
Submission Checklist
What to assemble
- Offering memorandum or property summary
- Current rent roll and trailing operating statement
- Purchase agreement or current loan payoff
- Sponsor financial statement and schedule of real estate
- Capital-improvement or development budget
- Appraisal, market study, plans, or third-party reports when available
Illustrative Review
How the pieces are read together
A sponsor is acquiring a commercial asset above $5 million and supplies the contract, rent roll, trailing operating statement, sponsor financials, improvement plan, and intended refinance. RAMM would evaluate value, income, leverage, sponsor strength, capital needs, concentration, and exit before identifying potential capital sources.
Illustrative only. This example is not an offer, approval, representation of available terms, or promise that a similar request will qualify.
Common Friction
What can slow the file down
- Net operating income that cannot be reconciled to source documents
- A capital stack with an unexplained equity gap
- Tenant, lease-expiration, or concentration risk left unaddressed
- Development assumptions without approvals, budget support, or an experienced team
- A refinance or sale exit that does not survive lower value or slower stabilization
Frequently Asked Questions
Commercial Real Estate questions
What loan sizes are considered?
Commercial Real Estate requests begin above the $5 million residential program range. Qualified transactions may exceed $100 million.
Which asset classes are considered?
The published program includes 5+ unit multifamily, office, retail, and industrial, with other qualified commercial and development opportunities reviewed individually.
Does RAMM provide every commercial loan directly?
No. Depending on the request, capital may come through direct programs, affiliated relationships, or selected third-party sources whose credit criteria govern final terms.
Bring Us the Scenario
Submit a Commercial Real Estate scenario
Send the property, request, sponsor, timing, and exit. A complete file produces a faster and more useful preliminary review.
Submitting a request does not create a loan commitment. Terms are indicative until underwriting, diligence, documentation, and credit approval are complete.