Stronghill Capital Lending Parameters

Stronghill Capital is an established national direct lender for income-producing real estate—including commercial, multifamily, and investment residential properties. We specialize in serving seasoned, entrepreneurial users of capital and professional owners of income-producing real estate.

  • Property Types: Commercial, Multifamily, and 1-4 Unit Long-Term Leased Investor Residential (Income Producing Properties only)
  • Lending Areas: Nationwide U.S. lending except ND, NV, and SD in Primary and Secondary Markets (Top 120 MSAs)
  • Loan Amounts: $500,000 – $5,000,000
  • Loan Structure: Fixed Rate Mortgage Loans. 5, 7, or 10 year terms.
  • LTV: Up to 65.0% (70% Case by Case)
  • DSCR Minimum: 1.20x
  • Credit Score Minimum: 620
  • Amortizations: 25 or 30 Years
  • Recourse: Full
  • Prepayment: Locked for half the term and opens up during the last 3 months for free; in between at a penalty of 3-5pts declining 1% per year
  • Debt Yield: Minimum 9.0%
  • Rate Considerations: Dependent on LTV, Debt Yield, DSCR, and Borrower Experience. Contact us for details.
  • Rate Adjustments: Property Type, Credit Score, Borrower Net Worth/Liquidity, Loan Purpose, and Market Size.
  • Loan Reserves: 4 to 12 Months PITI Reserves required, case by case.
  • Deposits and Fees: Variable. Contact us for details.
Property Geographic Area Details
Primary and Secondary Markets (Top 120 MSAs) Nationwide except ND, NV, SD
Loan Amounts
$500,000 to $5,000,000
Interest Rates
4.5% to 8%
Loan Terms
300 months to 360 months
Origination Fees
0% to 2%
Lien Position
1st
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
Property Occupancy
  • Tenant Occupied 100%
  • Tenant Occupied Partial
  • Owner Occupied Commercial

Property Types

  • 2-4 Units Residential
  • Commercial Condominium
  • Condominium
  • Industrial
  • Mixed-Use
  • Mobile Home
  • Mobile Home Park
  • Multifamily
  • Office
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Retail
  • Single Family Residence
  • Storage Facility

Loan Types

  • Commercial Long-Term

Specialty Loan Types

  • Residential Long-Term Rental
  • Commercial Permanent Financing

Max Loan-to-Purchase Price

75%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Another Investment Property
  • Family

Deposit Required

Hard Cost + Underwriting Fee

Underwriting Fee

Single Assets: $1,495 ($1,195 for Single Family (1-4 Unit)) Portfolios: $250 per additional property ($50 per additional Single Family (1-4 unit) property) Additional Fees included within Underwriting Fee

Escrow Fee

Upfront: 2 full months of estimated tax and insurance Monthly: 1/12 of estimated annual tax and insurance

Appraisal Fee

$3000 to $5000 - Commercial $400 to $900 - Residential

Fees which are mandatory for all new borrower clients

  • Deposit
  • Underwriting Fee

Fees which are paid to a third party company

  • Deposit
  • Underwriting Fee

Details and Requirements

Typical Closing Time (Days)

30

Fastest Closing Time (Days)

8

Payment Structure
  • Amortized
Payment Structure Details

Fixed Rate: 5, 7- or 10-Year Loan Term.. 25-30 Year Amortizations

Pre Payment Penalty

yes

Loans locked for half the term and opens up during the last 3 months for free; in between at a penalty of 3-5pts declining 1% per year 5 year fixed: L(30), 3% (12), 2% (12), 1% (3), 0 (3) 7 year fixed: L(42), 4% (12), 3% (12), 2% (12), 1% (3), 0 (3) 10 year fixed: L(60), 5% (12), 4% (12), 3% (12), 2% (12), 1% (3), 0 (3) Example: 5 year fixed: L(30), 3% (12), 2% (12), 1% (3), 0 (3) (Prepayment penalty is locked for the first 30 months then converts to a 3% penalty for 12 months, then a 2% for 12 months, then a 1% for 3 months, then 0% for the last 3 months). The lockout period means they cannot prepay the loan during this time. (If the borrower decides to sell the property during the lockout period the loan can be assumed by a qualified buyer)
Will lend to a foreign national

yes

Case-by-case basis. Contact for details.
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

no

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Self-Directed IRA
Documentation Required
  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

yes

Minimum Credit Score Required

620

Credit Check Description

FICO scores. Rate adjustments for higher scores.

Appraisal Required for Residential Property

Always Before Funding

Appraisal Required for Commercial Property

Always Before Funding

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Legal Disclaimer

Rates included are indicative. Further restrictions may apply.

Additional Details

Stronghill Funding Inc. is a California DRE licensed corporation, License 02091978. Further restrictions may apply.

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About Stronghill Capital

Stronghill Capital is an established national direct lender for income-producing real estate—including commercial, multi-family, and investment residential properties.* We specialize in serving seasoned, entrepreneurial users of capital and professional owners of income-producing real estate.

Lending since 2018, Stronghill Capital provides a reliable and efficient process that our partners can expect, deal after deal. Our experienced team is adept at building and maintaining long-term relationships with borrowers and intermediaries to support their ongoing needs.

Our loan solutions range from $500,000 – $5,000,000, and we can assist clients with larger lending needs through our affiliation with ArrowMark Partners. Our leadership team consists of accomplished real estate experts with multi-billion-dollar experience in asset management and lending.

*Excluding senior living and hospitality

License

CA DRE Lic. 02091978 | Stronghill Funding Inc.

Company Size (Number of Employees)

55

Year Established

2018

Associations

  • Mortgage Bankers Association
  • CRE Financial Council
  • Equal Housing Opportunity

Office Locations

Stronghill Austin Headquarters
7200 N MoPac Expy, Suite 100, Austin, Texas 78731

Primary Capital Source
  • Own Funds
  • Bank Credit Line
  • Asset Management Companies
Alternative Capital Sources
  • Own Funds
  • Bank Credit Line
  • Asset Management Companies
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property

75%

Percentage of Loans Secured by Residential Property

25%

Our Team

Justin Kintz, CCIM

Managing Director

Brian B. Simmons

Managing Director

Melissa "Missi" Snowden

Director

Get In Touch

Stronghill Capital pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$500,000

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