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Commercial & Investment Property Loans

Finance growth and unlock investment potential.

At Scout Lending, we provide tailored financing for real estate investors, developers, and entrepreneurs looking to expand their portfolios. Whether you’re acquiring a multifamily property, renovating a mixed-use space, or refinancing an existing commercial asset, our Commercial & Investment Property Loan Programs are designed to meet your strategic and financial goals. With competitive terms, expert guidance, and a commitment to flexibility, we empower our clients to invest confidently and grow sustainably.

Multifamily Loans (5+ Units)

Finance your next apartment complex or mid-sized multifamily asset with confidence.

These loans support the acquisition or refinance of residential buildings with nine or more units. Whether you’re investing for long-term rental income or planning a repositioning strategy, our loan programs offer both permanent and bridge financing options to match your investment horizon.

Why Our Clients Love It:

  • Options for both stabilized and value-add multifamily properties
  • Competitive interest rates with flexible underwriting for seasoned investors
  • Available for purchase, refinance, or cash-out strategies

Who It’s Best For:

  • Experienced investors who are looking to scale their real estate portfolios by acquiring larger multifamily assets and need financing that aligns with their growth trajectory and long-term wealth-building strategy.
  • Developers and syndicators who want to reposition or upgrade underperforming multifamily properties and require flexible lending options to support renovations, lease-up periods, or value-added improvements.
  • Owners of stabilized properties interested in refinancing to lower rates or pull equity for future investments, while ensuring the financial health and long-term cash flow of their existing assets.

Mixed-Use Property Loans

Blend commercial and residential investments into one dynamic asset.

Mixed-use loans are ideal for properties that combine storefronts, offices, or service businesses with residential units. These loans are structured to address the complexities of mixed-income properties, with terms that support both stability and opportunity.

Why Our Clients Love It:

  • Supports unique property types with dual-use income streams
  • Can finance the purchase, rehab, or refinancing of mixed-use assets
  • Underwriting accommodates both residential and commercial income

Who It’s Best For:

  • Urban-focused investors specialize in revitalizing neighborhoods with properties that serve both commercial and residential tenants, creating vibrant, community-oriented developments.
  • Small business owners and entrepreneurs who want to live and work in the same building, reducing commute time and maximizing cost efficiency by investing in a dual-purpose property.
  • Property owners managing income from diverse sources need lending that understands and supports the complexity of blended-use revenue streams and occupancy requirements.

Commercial Real Estate Loans

Own or expand your footprint with property built for business.

Scout Lending offers financing for a wide range of commercial real estate, including office buildings, retail centers, industrial properties, and warehouses. Whether you’re a business owner or investor, our team works with you to structure the right loan for your goals.

Why Our Clients Love It:

  • Financing available for both owner-occupied and investment properties
  • Fixed and variable-rate options tailored to cash flow and growth plans
  • Structured to meet the specific needs of retail, medical, and industrial spaces

Who It’s Best For:

  • Business owners looking to invest in a permanent location for their operations, such as medical clinics, retail stores, or service businesses, and want the stability and equity that comes with ownership.
  • Real estate investors expanding their holdings across commercial asset classes like office buildings, shopping centers, or industrial warehouses need tailored financing for acquisition or redevelopment.
  • Developers and asset managers who are targeting underutilized commercial spaces for repositioning, adaptive reuse, or tenant reconfiguration to enhance market value and income potential.

Investor Rental Loans

Stabilize and scale your rental portfolio with reliable, long-term capital.

These loans are built for investors holding single-family rentals, townhomes, or smaller multifamily properties as part of a long-term strategy. With underwriting based on property income, not personal debt-to-income ratios, they’re ideal for building passive income streams.

Why Our Clients Love It:

  • Based on property cash flow, not just borrower income
  • Long-term fixed-rate options provide predictability for rental investments
  • Portfolio loan options available for multiple properties

Who It’s Best For:

  • Buy-and-hold investors building a long-term rental portfolio who want consistent, scalable financing that supports future acquisitions while offering predictable monthly payments.
  • Landlords and property managers seeking to refinance existing rental units at better terms or consolidate multiple properties under one streamlined loan structure to improve operational efficiency.
  • New and seasoned real estate investors prefer underwriting based on property performance and rental income rather than traditional income verification, enabling them to focus on cash flow and portfolio health.

Short-Term Rental Financing

Capitalize on the booming vacation rental market with purpose-built financing.

These loans are specifically designed for investors purchasing or refinancing properties intended for short-term rental platforms like Airbnb and Vrbo, as well as condo hotel units. With unique underwriting to account for seasonal income fluctuations and occupancy trends, these programs unlock access to one of the fastest-growing real estate segments.

Why Our Clients Love It:

  • Tailored financing for nightly/weekly rental models, including Airbnb, Vrbo, and similar platforms
  • Flexible guidelines for both individual and portfolio investors
  • Available for condo hotels, resort units, and other hospitality-focused real estate
  • Underwriting considers short-term rental income potential, not just traditional lease projections

Who It’s Best For:

  • Real estate investors looking to tap into the high-yield potential of vacation markets and tourist-heavy areas by leveraging short-term rental income
  • Professionals seeking a hybrid investment and personal-use property with the flexibility to rent out when not in use (such as condo hotel units or resort properties)
  • Hosts and property managers expanding their short-term rental portfolios and seeking scalable financing aligned with revenue from bookings rather than year-long leases
CONTACT US

Let’s Make Your Homeownership Goals Happen

Whether you’re ready to start your loan application, have questions about your options, or just want to talk through your financial goals, we’re here for you. Reach out to our team for personalized support and expert guidance every step of the way.

NMLS #2187418. Go here for the Scout Lending NMLS consumer access page.

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