DSCR LOAN

Bridge & Small Balance Loans Made Simple

At Adkins & Williams Advisor, we provide flexible, fast, and investor-friendly financing solutions designed for today’s commercial real estate market. Whether you’re acquiring, refinancing, renovating, or scaling your portfolio, our Small Balance Commercial Loans and Multifamily Bridge Loans offer the versatility and speed you need to move with confidence.

Multifamily Bridge Loans

Our Multifamily Bridge Loan Program is built for investors seeking quick access to capital for underperforming, value-add, or off-market apartment deals. Bridge loans allow you to move fast, reposition the asset, and refinance into permanent debt once stabilized.

Program Highlights

  • For apartments 5+ units

  • No minimum occupancy required

  • Fast closings

  • No minimum credit score

  • Renovation funds available

  • Minimum loan amount: $250,000

Eligible Property Types

We finance a wide range of commercial property classes, including:

  • Multifamily

  • Office

  • Retail

  • Industrial

  • Self-storage

  • Hospitality

  • Special purpose assets

  • Manufactured housing

Small Balance Commercial Loan Program

When banks say no, our Small Balance Loan Program steps in. Designed for loan amounts under $3 million, this program delivers enhanced flexibility for investors targeting:

  • Multifamily

  • Mixed-use

  • Retail

  • Light industrial

  • Automotive

  • Special-purpose commercial properties

Common Uses

Property Purchase

Secure commercial properties up to $3M with simplified guidelines.

Refinancing

Adjust rate and term or pull cash out for improvements and growth.

Business Expansion

Move from leasing to ownership—no minimum owner-occupancy required.

Loan Structure Options

Full Doc Loan Program

Best for borrowers with strong, consistent income and documentation.

  • Min FICO: 620

  • Max LTV: 80%

  • Min Loan: $500,000

Lite Doc Investor Program

Ideal for investors reporting lower income on tax returns.

  • Min FICO: 620

  • Max LTV: 80%

  • Min Loan: $500,000

No Doc Streamline Program

Perfect for borrowers wanting completely hassle-free approvals—no tax returns or statements required.

  • Min FICO: 700

  • Max LTV: 75%

  • Min Loan: $500,000

Bank Statement Program

Qualification based solely on 12 months of business bank statements.

  • Min FICO: 650

  • Max LTV: 80%

  • Min Loan: $500,000

Construction Loans (Agency & Non-Agency)

  • Funding available for new development or major renovation

  • Minimum Loan Amount: $300,000

  • Designed to support strong, stabilized projects with clear exit strategies

Borrower Qualification Requirements

To approve Small Balance or Construction Loans, lenders generally review:

  • Creditworthiness – Must meet minimum FICO based on program

  • Stabilized Property Performance – Demonstrated and reliable income

  • Financial Strength – Property must meet Debt Service Coverage standards

  • Strong Collateral – A solid, financeable commercial asset

Unlock the Power of Short-Term Rental Investing

The short-term rental market continues to create powerful income opportunities but traditional lenders often make financing difficult without leases or income history. Our Short-Term Rental (Airbnb) Financing is built specifically for investors, offering fast approvals, flexible terms, and simplified qualification so you can purchase or refinance with confidence and maximize your investment potential.

Program Highlights

  • Loans from $200,000 to $3,000,000

  • No W-2s or tax returns required

  • Minimum 680 credit score

  • Up to 80% LTV

  • Flexible terms including 30-Year Fixed & Interest-Only

  • Fast closings nationwide (most states)

Finance single-family homes, condos, 2–4 units, and cabins for Airbnb or VRBO use with ease.

Ready to Scale Your Real Estate Investment Portfolio?

Adkins & Williams Advisor is here to support your growth with flexible financing and investor-centered solutions.

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