The following is a partial list of programs offered by FBS Commercial Capital with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 757-209-2123.
These materials are not from HUD or FHA and were not approved by HUD or a government agency.
DSCR (Debt Service Coverage Ratio) loans are specialized financing options primarily used in commercial real estate and investment properties. These loans focus on the property's ability to generate sufficient income to cover its debt payments, rather than relying solely on the borrower's personal income. DSCR loans provide real estate investors with a flexible and tailored financing solution that assesses the property's cash flow, making them particularly valuable for income-producing properties and projects.
Fix & Flip loans offer real estate investors quick and flexible financing to purchase, renovate, and sell properties. These short-term loans cover both acquisition and renovation costs, allowing investors to increase property value and maximize returns. With fast approval and funding, Fix & Flip loans help investors capitalize on opportunities in a competitive market.
Bridge Loans provide short-term financing to help homebuyers and investors cover gaps between buying a new property and securing permanent funding or selling an existing asset. These loans offer fast access to capital, making them ideal for time-sensitive transactions. With flexible terms and quick approval, bridge loans allow borrowers to move forward without financial delays.
New Construction loans are short-term loans designed to fund the construction or renovation of residential or commercial properties. They provide borrowers with access to funds in stages as the project progresses, reducing the financial burden during construction. Once the new construction is complete, these loans are typically converted into traditional mortgages, allowing borrowers to make principal and interest payments on the property.
Commercial loans are financial products designed to support businesses in various ways, including financing property acquisitions, expansion, or working capital needs. They typically offer more significant loan amounts and longer repayment terms compared to personal loans. Commercial loans can take several forms, such as real estate loans, equipment financing, or lines of credit, each tailored to the specific financial requirements and goals of the business.