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DFS provides real estate loans for any amount on owner-occupied or investment property. We have a variety of rates and terms to meet your needs.
Our loan officers have great expertise in the local real estate market. Minimal paperwork and quick turn-around time let you build equity in your balance sheet more rapidly.
Commerical Purchase/Refinance
Various terms and loan to values available. Commercial purchase or refinance loans are available for owner-occupied, investment and various other forms of real estate, including multiple property lending.
Other Commercial Loans
DFS offers a variety of loans tailored to special needs. The Small Business Adminstration (SBA) offers loans to allow for longer terms or higher loan to value financing. (504, 7A, Low Doc) The SBA can be used as a guarantor for these loan programs.
- Basic 7(a) Loan Guaranty is the SBA's most flexible business loan program. Applies to start-up and existing small businesses. Loan maturity is up to 10 years for working capital and generally 25 years for fixed assets.
- 504 Loan Program provides long-term, fixed-rate financing to small businesses to acquire real estate or machinery or equipment for expansion or modernization.
- Low Doc is an SBA loan for less than $100,000, and which requires less documentation.
Commercial Real Estate Loans
DFS offers loan products and programs for commercial real estate loans. Commercial properties include: office, industrial, mini-storage, retail and hotels. DFS has direct access to the most aggressive lending sources in the country. DFS works diligently to structure financing terms that best meet our clients' needs. As a direct correspondent to several lending institutions, coupled with our 19 years of expertise, our clients benefit by receiving direct pricing from each capital source.
- Up to 80% LTV
- Loans from $250,000 to $100 + million
- Floating rate interest only, acquisition/repositioning/rehab loans - 1-3 year terms
- Fixed rate - 5, 7, 10, 15 year terms -amortized over 25-30 years
- Recourse and non-recourse
DFS provides customized financing solutions for commercial investors nationwide. Whether you need to refinance an existing commercial property or you need acquisition financing - we can help you structure the commercial real estate loan that meets your needs.
5/10/15/20/25/30/40 Years Term
Owner User
Apartment/Multifamily
Hotel/Motel
Mixed Used
Gas Station
Self Storage/Warehouse
Office Building
Medical Building
Senior Housing
Golf Course
Resorts
Casinos
Church/Synagogues
Construction Loans
Bridge/Mezzanine Loans
Shopping Center/Anchor & Non Anchored
We do all kinds of Loans:
- No Income Programs
- Multiple Property Blanket
- Rehabilitation/Construction
- Owner Occupied
- Bridge Loans
- Impaired Credits
Apartment Buildings
Regardless of whether you're an experienced landlord or are working on your apartment building, commercial funding is just a step away.
Apartment financing mortgages are available for multifamily apartment properties with 5 or more units.
DFS provides special competitive financing programs for commercial real estate loans ranging from $3 million to $100 million and up.
we also provides very competitive rates for smaller commercial loans for multi-family, office, retail, industrial, and storage from $250,000 to $3 million.
Small Loans
Apartment financing for properties with 5+ units worth $250,000 to $3 million. The small loan program has been developed to serve the needs of smaller commercial assets while keeping cost to a minimum.
- Fixed terms of 1, 3, 5, 7, 10 & 15 years
- Converts to an adjustable or another fixed rate for the remaining term of 25 or 30 years
- The 15-year term is a 15/15 fully amortizing program
- Simplified application process
- Capped closing costs, generally $10,000 for multifamily and $13,000 for commercial including legal
Mid Size Loans
Apartment financing for properties worth $3 million to $8 million. The mid size loan program has been developed to serve the needs of your important multi-unit commercial assets. DFS offers apartment financing programs that serve the needs of investors with excellent delivery time and substantial cost savings.
Our FLOATING RATE apartment financing programs -
- Acquisition/rehab/repositioning floating rate, interest only terms
- 1-3 year terms
Our FIXED RATE apartment financing programs -
- Generally, 10-year term, 30- year amortization
- 80% LTV
- Recourse and non-recourse available
- Life company and conduit programs
Large Loans
Apartment financing for properties $8 million to $100 million. The large loan program is designed to finance loan amounts in excess of $30 million and are often structured with flexible terms to help the borrower meet their objectives.
- For loan amounts between $8 million and $150 + million
- Floating and fixed rate terms
- Portfolio acquisitions and refinance
Retail & Office Buildings
Whether you're financing retail or office space, our participating professionals are commercial loan specialists. They can answer any questions you have and help you secure the financing you need.
Mixed Use
Need to finance a mixed use property? No problem! Our loan specialists will work one-on-one with you to help identify and secure the financing you need for that investment.
Investment Properties
Our loan specialists can answer any questions you have and help you secure the financing you need for that investment.
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Refinance 
Residential 
