Find the right loan program for you

Single Family / 2-4 Family First Time Borrower Multi-family Mixed Use Commercial Ground Up
Base Rate
11.49%
11.49%
11.75%
11.99%
11.99%
11.99%
Min Loan Amount
$100,000
$100,000
$250,000
$250,000
$250,000
$100,000
Max Loan Amount
$2,500,000
$1,000,000
$10,000,000
$10,000,000
$10,000,000
$2,500,000
Max Refinance LTV
75%
70%
75%
75%
65%
75%
Max Purchase LTV
85%
70%
75%
75%
65%
75%
Max LTC
90%
80%
80%
80%
75%
85%
% of Rehab Financed
100%
100%
100%
100%
100%
100%
ARV
70%
65%
70%
70%
65%
70%
Minimum FICO
620
700
680
680
680
680
Single Family / 2-4 Family Multi-family Mixed Use Cross-Collateralized
Base Rate
6.75%
6.75%
7.99%
6.99%
Min Loan Amount
$100,000
$250,000
$100,000
$100,000
Max Loan Amount
$2,500,000
$2,500,000
$2,500,000
$2,500,000
Max Purchase LTV
80%
75%
75%
80%
Refinance / Cashout
75%
75%
70%
75%
Max LTC
80%
75%
75%
80%
Minimum FICO
660
680
680
660
▪ 10-Year Interest Only Period + 20-Year Amortization Term. ▪ 7-Year Interest Only Period + 23-Year Amortization Term ▪ 5-Year Interest Only Period + 25-Year Amortization Term

Bridge Financing

Mendel F.

I’ve closed and brokered loans with Sharestates for the past 5 years now. They always have the most competitive products and rates, and the absolute best team to work with. Looking forward to many more closings with them!

Shuly G.

I’ve worked with Sharestates on many deals, both here locally in New York, and across state lines. They are very knowledgeable and offer rates and terms that make it easy to do repeat business with them. If they tell you they can do the deal, then consider it done. They have a friendly and responsive staff. Keep it up Sharestates, the sky’s the limit!

Single-family

House rescuers and rehabbers have a special set of challenges, but access to capital does not need to be one of them. Sharestates will partner with you on that SFR fix and flip project, covering up to 90% of the purchase and up to 100% of the rehab expenses.

First-time borrower

If you’re new to the real estate game, best to start small -- a single-family residence, or perhaps a two-, three- or even-four family structure. Sharestates can help you by arranging anywhere from $100,000 to $1 million to make your first project just a little bit less daunting.

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2-4 Family

With loans as large as $10 million and low rates, Sharestates is a leader in funding the local landlord. We can finance up to 100% of your rehab needs, with a loan-to-cost ratio of as much as 90%.

Multi-family

We don’t need to tell you there’s a critical housing shortage, or that the world needs more rental units just as fast as you can build them. At Sharestates, it’s our privilege to be able to lend you up to $75 million to turn vacant land into new homes.

Mixed-use

Mixed-use is the heart and soul of many downtown neighborhoods. The combination of retail and housing is convenient to so many, and adds to a vibrant community. Mixed-use can many times be mistaken for pure commercial real estate, but the fact is that most mixed use properties are more than 50% residential. Sharestates recognizes the need for such properties, and can offer more favorable loan-to-cost, loan-to-value and after-repair-value ratios to developers that specialize in this property type.

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Commercial

Whether you’re building retail locations, office parks, warehouses, storage facilities or any other type of non-residential structures, Sharestates has already funded projects a lot like yours. You can rely on our experience to guide you through to completion.

Ground-up

With loans as large as $10 million and rates as low as 10.5%, Sharestates is a leader in funding the local landlord. We can finance up to 100% of your rehab needs, with a loan-to-cost ratio of as much as 85%.

Long-term funding

Our term loans are designed for real estate developers who are building wealth through holding and renting their properties. Sharestates offers a faster, more cost-efficient process of transitioning from a bridge loan to a long-term financing solution.  Loans for individual assets as well as portfolio loans are available to our borrowers.

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Single-family

No reason to borrow more than you need. If you can get by with a $75,000 of low-interest, 30-year capital, Sharestates is in a position to provide you with that opportunity.

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2-4 family

For as little as 7.25%, Sharestates can extend landlords up to $3 million in refinancing.

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Multi-family

Sharestates’ proprietary underwriting formula includes reviewing our borrower’s FICO score, in addition to 33 other data points. If your credit score is over 680, you may qualify for as much as $10 million for your multifamily project.

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Mixed-use

Sharestates’ mixed-use loans provide management companies with up to $3 million in funding -- with the same loan-to-cost and loan-to-value ratios as smaller-scale projects.

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Cross-Collateralized

Sharestates rewards multi-property managers for their diversification. We do that by offering up to $10 million on terms comparable to those for more modest projects.