Loan Programs
As a direct lender, Cressida Direct offers a wide range of loan programs designed for commercial property owners, real estate investors, and mortgage brokers. No tax returns required on most programs.
Side-by-Side Comparison
Use this matrix to quickly identify which loan program fits your deal.
| Feature | DSCR Commercial Loans DSCR as low as 1:1 | DSCR Residential Loans 30-year amortization | Fix & Flip Residential Close in 5–7 days | Foreign National / Investor Loans No US credit required | Ground-Up Construction 100% rehab funds | No DSCR Residential Loans No ratio, no income | Owner Occupied Commercial No tax returns | SBA 504 & 7(a) Lowest down payment |
|---|---|---|---|---|---|---|---|---|
| Best For | Commercial investors qualifying on property income (DSCR ≥ 1:1) | Rental property investors qualifying on rental income | Residential fix-and-flip investors needing fast, flexible capital | Foreign nationals and international investors buying US property without US credit | Ground-up residential construction from land to completion | Investors whose rental property does not meet a minimum DSCR or has no rent history | Self-employed owners who cannot show income on tax returns | SBA-eligible businesses buying or refinancing owner-occupied commercial real estate |
| Loan Range | $200K – $3M | $200K – $5M | $200K – $5M | $200K – $5M | $200K – $5M | $200K – $5M | $200K – $3M | $500K – $20M |
| Max LTV / LTC | Up to 75% | Up to 75% | 85% LTC | Up to 65% | 90% LTC | Up to 70% | Up to 80% | Up to 90% |
| Documentation | DSCR | DSCR / Light Doc | Light Doc | Light Doc / DSCR | Light Doc | No Ratio / No DSCR | Bank Statement (12 months) | Full Doc |
| Property Type | Office | Single Family (1–4 Units) | Single Family | Office | Single Family New Construction | Single Family (1–4 Units) | Office | Owner-Occupied Commercial |
| Borrower Type | Investor | Investor | Investor | Foreign National | Builder | Investor | Business Owner | Business Owner |
| Closing Time | 30–45 Days | 30–45 Days | 5–7 Days | 30–45 Days | 14–28 Days | 30–45 Days | 45–55 Days | 60–90 Days |
| Tax Returns Required | ||||||||
| Balloon Payment | ||||||||
| YSP Available | ||||||||
| Details | View Program | View Program | View Program | View Program | View Program | View Program | View Program | View Program |
DSCR as low as 1:1
Investment commercial real estate loans for non-owner occupied properties. Qualify on DSCR — no personal income verification needed. Ideal for investors with multiple properties or complex income structures.
Loan Range
$200K – $3M
Max LTV
Up to 75%
Documentation
DSCR (property income)
Closing Time
30–45 Days
30-year amortization
1–4 unit and multifamily investment property loans. Lite doc and DSCR programs for real estate investors. Qualify on rental income — no personal income verification required.
Loan Range
$200K – $5M
Max LTV
Up to 75%
Documentation
DSCR or Lite Doc
Closing Time
30–45 Days
Close in 5–7 days
Short-term, interest-only financing for residential fix-and-flip investors. Fund up to 85% of total cost (LTC) and up to 85% of after-repair value (LTARV), with rates of 8.9%–9.9%, no prepayment penalty, and closings in 5–7 days.
Loan Range
$200K – $5M
Max LTC
85% of Total Cost
Max LTARV
85% of ARV
Interest Rate
8.9% – 9.9%
No US credit required
Financing for foreign nationals and international investors buying US commercial and investment real estate. Qualify on the property — no US credit history, Social Security number, or US tax returns required.
Loan Range
$200K – $5M
Max LTV
Up to 65%
Documentation
Light Doc / DSCR
Closing Time
30–45 Days
100% rehab funds
Ground-up construction loans for residential properties. Financing for builders and developers from land acquisition through completion. Up to 90% LTC with interest-only during construction.
Loan Range
$200K – $5M
Max LTC
90% of Total Cost
Max LTV (ARV)
70% of ARV
Closing Time
14–28 Days
No ratio, no income
No-ratio residential investment loans for 1–4 unit rentals. Qualify without a minimum DSCR and without documenting rental income or personal income — the property does not need to cash flow to close.
Loan Range
$200K – $5M
Max LTV
Up to 70%
Documentation
No Ratio / No DSCR
Closing Time
30–45 Days
No tax returns
Financing for business owners who occupy their commercial property. Bank statement programs available — qualify on 12 or 24 months of business bank statements with no tax returns required.
Loan Range
$200K – $3M
Max LTV
Up to 80%
Documentation
Bank Statement (12 months)
Closing Time
45–55 Days
Lowest down payment
SBA 504 and 7(a) loan programs for owner-occupied commercial real estate and business acquisitions. Low down payments and long-term fixed rates backed by the U.S. Small Business Administration.
Loan Range
$500K – $20M
Max LTV
Up to 90%
Documentation
Full Doc
Closing Time
60–90 Days
Specialty Programs
These specialty pages are financed through our Owner-Occupied Commercial program — same rates and terms, not separate products.
Financing for Food & Beverage Real Estate
Own the restaurant or bar building you operate — qualified on bank statements, not tax returns.
Financing for Automotive Real Estate
Own the repair shop, service center, or body shop you operate — qualified on bank statements, not tax returns.
Financing for Child-Care Real Estate
Own the child-care or early-learning building you operate — qualified on bank statements, not tax returns.
Bank-Statement Owner-Occupied CRE
Own the building your business operates from — qualify on bank statements, not tax returns.
Questions
Our loan advisors will help you find the right program for your scenario. Get a free consultation today.
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