Our Lending Programs ❊
We provide lending programs uniquely matched to the buyer, the property, and the strategy. If your situation falls outside a standard box, we structure a solution that fits.
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Designed for the swift purchase of stabilized or value-add properties. This program allows investors to act like cash buyers and secure assets before traditional financing can be sourced.
Property Types: Multifamily, Industrial, Retail, Office
Loan Amounts: $2,000,000 - $20,000,000
Term: 12 - 24 Months
LTV: Up to 70%.LTC: Up to 80%.
Amortization: Interest-Only
Interest Rate: Fixed, 10% - 14%Security: First Mortgage Lien or Deed of Trust
Prepayment: Minimum interest 9-months for a 12-month term.
Third Party-Reports: Appraisal and Environmental Phase 1 Assessment are required.
Origination Fee: 1% - 2%
Timing: Same-Day LOI with qualifying information, 10 - 30 days to funding. -
The ideal solution for “transitional” assets. Whether you are waiting for a property to lease up, undergoing minor renovations, or maturing out of a construction loan, our bridge program provides the necessary runway.
Property Types: All Commercial Asset Classes
Loan Amounts: $1,000,000 - $25,000,000
Term: 12 Months
LTV: Up to 70%.LTC: Up to 80%.
Amortization: Interest-Only
Interest Rate: Fixed, 10% - 14%Security: First Mortgage Lien or Deed of Trust
Prepayment: Minimum interest 9-months for a 12-month term.
Origination Fee: 1% - 2%
Timing: Same-Day LOI with qualifying information, 10 - 30 days to funding. -
Tailored for ground-up development and major adaptive reuse projects. We provide the leverage needed to break ground, with a draw schedule managed by our in-house team to keep your project moving.
Property Types: Multifamily, Mixed-Use, Build-to-Rent
Loan Amounts: $2,000,000 - $20,000,000
Term: 12 Months
LTV: Up to 70% (As-Complete)LTC: Up to 80% (Total Project Cost)
Amortization: Interest-Only (On Drawn Balance)
Interest Rate: Fixed, 10% - 14%
Prepayment: Minimum interest 9-months for a 12-month term.
Origination Fee: 1% - 2%
Timing: Same-Day LOI with qualifying information, 30 - 45 days to funding.
Our Funding Timeline ❊
Day 1
Submit a Deal through our submittal form on the top right corner of this page.
Day 2
First “Discovery Call” occurs after our team has reviews your submitted information.
Term Sheet
Our team will issue you a term sheet detailing the terms we’d be willing to fund under.
Week 1
1Oak’s team will thoroughly underwrite the deal with detailed analysis.
Week 2
Due diligence files and information will be accrued and conducted, to prove deal details.
Funding
The closing team will coordinate with agents, borrowers, and title to release funds.
Servicing
1Oak will maintain regular correspondence to facilitate management of your project.
Repayment
Once your project’s value has been maximized with 1Oak’s lending vehicle, we’ll close out the loan.