OUR LOAN PRODUCTS

The Capital Stack.

Institutional leverage for every stage of the asset lifecycle. We don’t fit borrowers into boxes. We align your project with specific capital partners based on asset class, leverage requirements, and execution speed.

These are our 6 core lending programs that we focus on.  Bridge Loans, Ground-Up Construction, Rental Portfolio, Conventional CRE, and Non-QM Loans.  We have established an excellent track record with making great things happen for our clients by focusing on these.  This does not mean LFCP does not offer other loan products, depending on your project or financial needs.  If you are unsure, simply reach out to us, and we will find the best Lending program for you.

CONSTRUCTION LOANS

90% LTC Financing

  • Loan Size: $500k – $100M+
  • Term: Up to 42 Years (Construction-to-Perm)
  • Leverage: Up to 75% ARV / 90% Cost
  • Recourse: Non-Recourse Options Available


View Construction Terms →

BRIDGE LOANS

7-30 Day Closings

  • LTV: Up to 80% As-Is
  • Rates: Starting as low as 8%
  • FICO: No Minimum Score Required
  • Docs: No Tax Returns Necessary


View Bridge Program →

CONVENTIONAL CRE

90% LTV Purchase

  • Rates: Starting at 6.00%
  • Amortization: Up to 40 Years
  • Assets: Multifamily, Industrial, Retail, Office
  • Docs: Full Bank & Tax Return Underwriting


View Conventional →

RENTAL PORTFOLIO

Unlimited Properties

  • LTV: 70% – 80% (Deal Specific)
  • Structure: Blanket Loans or Single Asset
  • Build-to-Rent: Up to 80% Construction Financing
  • Prepay: Yield Maintenance / Stepdown Options


View Portfolio Options →

NON-QM LOANS

No Tax Returns Needed

  • Underwriting: 12-24 Months Bank Statements
  • LTV: Up to 80% Purchase / 75% Refi
  • Assets: 1-4 Unit Residential & Commercial Mixed
  • FICO: Min 660


View Non-QM Details →

DSCR FINANCING

500 FICO Accepted

  • Qualification: Based on Property Cash Flow Only
  • LTV: Up to 70%
  • Recourse: Full Recourse
  • Flexibility: 500 FICO allowed (<50% LTV)


View Conventional →

Unsure? Contact Us and well help you find the exact Commercial Loan type you Need.


Get Pre-Qualified in 24 Hours

Laissez Faire Capital Partners

From NYC to LA: Capital Without Borders.” “While our trading desk is headquartered in New York City, 80% of our volume is deployed in high-growth secondary markets including the Sunbelt, Midwest, and West Coast. We understand the local nuances of funding ground-up construction in Miami just as well as mixed-use value-add in Brooklyn.

FAQ

Frequent

Questions

Do you offer financing in my state?

Yes. We arrange commercial financing Nationwide. Whether you need a construction loan in Florida, a bridge loan in New York, or a multifamily refinance in Texas, our capital network covers all 50 states.

Yes. We arrange commercial financing Nationwide. Whether you need a construction loan in Florida, a bridge loan in New York, or a multifamily refinance in Texas, our capital network covers all 50 states.

Absolutely. We specialize in placing Non-QM, Bridge, and DSCR loans that utilize “No-Doc” or “Lite-Doc” underwriting. These programs focus on the asset’s value or cash flow rather than your personal tax returns.

Yes. We actively structure financing for Foreign Nationals across our Bridge, Construction, and Rental Portfolio programs. You do not need US Citizenship to qualify; we work with lenders who underwrite based on liquidity and asset value.

Yes. We arrange commercial financing Nationwide. Whether you need a construction loan in Florida, a bridge loan in New York, or a multifamily refinance in Texas, our capital network covers all 50 states.

Yes. We arrange commercial financing Nationwide. Whether you need a construction loan in Florida, a bridge loan in New York, or a multifamily refinance in Texas, our capital network covers all 50 states.

Absolutely. We specialize in placing Non-QM, Bridge, and DSCR loans that utilize “No-Doc” or “Lite-Doc” underwriting. These programs focus on the asset’s value or cash flow rather than your personal tax returns.

Yes. We actively structure financing for Foreign Nationals across our Bridge, Construction, and Rental Portfolio programs. You do not need US Citizenship to qualify; we work with lenders who underwrite based on liquidity and asset value.