Condo & Townhome Financing
Condos and townhomes offer excellent investment opportunities in urban and suburban markets. We provide specialized financing that understands HOA considerations and condo-specific requirements.
Industry Challenges
HOA and condo association approval requirements
Non-warrantable condo restrictions from traditional lenders
Owner-occupancy ratio requirements
Reserve fund and litigation concerns
Higher insurance and HOA fee considerations
Our Solutions
Non-warrantable condo programs available
Flexible HOA and association requirements
Investor-friendly terms regardless of occupancy ratios
Quick review of condo documents
DSCR loans that account for HOA fees in cash flow
Condo & Townhome Investment Financing
Condos and townhomes can be excellent additions to any real estate portfolio. We understand the unique considerations of attached housing and offer programs designed specifically for these property types.
Non-Warrantable Condo Solutions
Many condos don't meet conventional guidelines due to:
- High investor ownership percentages
- Single-entity ownership concentration
- Pending litigation or reserve issues
- Commercial space ratios
We finance non-warrantable condos with competitive rates and flexible terms.
Investment Strategies We Support
Buy and Hold
- DSCR loans based on rental income
- 30-year fixed rate options
- Cash flow analysis includes HOA fees
Fix and Flip
- Renovation financing for unit upgrades
- Fast closings for competitive markets
- Kitchen, bath, and flooring updates
Short-Term Rentals
- Airbnb and VRBO condo financing
- Markets with favorable STR regulations
- Income based on actual or projected rents
Townhome Financing
Fee-simple townhomes offer more flexibility:
- Easier financing than condo associations
- Traditional investment loan programs
- DSCR and fix & flip options available
What We Look For
- Condos in established associations
- Positive cash flow potential
- Markets with strong rental demand
- Properties in good condition or clear renovation plans
Non-Warrantable Condo Investment
An investor found a great deal on a condo in a building with 60% investor ownership—too high for conventional financing. Our non-warrantable condo program provided 75% LTV financing, and the property now cash flows $400/month.
Available Programs
Condo Investment Loans
DSCR and bridge financing for condo investments
Non-Warrantable Programs
Financing for condos that don't meet Fannie/Freddie guidelines
Townhome Financing
Investment loans for fee-simple townhomes
Fix & Flip Condo Loans
Renovation financing for condo unit improvements
Other Industries
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Our team specializes in condos & townhomes financing. Let us help you find the right solution for your business.