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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%
Max Loan-To-Value
75.00%
Max Loan-To-Cost
75.00%
Origination Fees
0% to 2%
Loan Terms
300 months to 360 months
Lien Position
- 1st
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
Minimum Occupancy Percentage
80%
Property Types and Loan Types
Collateral Types
- Residential Property
- Commercial Property
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
Purchase Loan
Max Loan-To-Purchase Price
75.00%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Another Investment Property
- Family
Details and Requirements
Typical Closing Time (Days)
30Fastest Closing Time (Days)
8Works With
- Brokers
Payment Structure
- Amortized
Payment Structure Details
Fixed Rate: 5, 7- or 10-Year Loan Term.. 25-30 Year AmortizationsPre 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
noWill Consider Collateralizing Multiple Properties in One Loan
yesWill 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
AlwaysCredit Check Required
yesMinimum Credit Score Required
620Credit Check Description
FICO scores. Rate adjustments for higher scores.Appraisal Required for Residential Property
Always Before FundingAppraisal Required for Commercial Property
Always Before FundingBroker Price Opinion (BPO) Accepted for Residential Property
SometimesBroker Price Opinion (BPO) Accepted for Commercial Property
SometimesFees
Deposit Required
$1,000.00 to $5,000.00
Hard Cost + Underwriting Fee
Underwriting Fee
$1,195.00 to $0
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 charged upfront prior to loan closing
- Deposit
- Underwriting Fee
Fees which are paid to a third party company
- Deposit
- Underwriting Fee
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.
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 - Member
- CRE Financial Council - Member
- Equal Housing Opportunity
Office Locations
Stronghill Austin Headquarters7200 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
Alternative Loan Structures
- Own Balance Sheet
Percentage of company’s lending business focused on private mortgage
100%
Company’s Other Business Activities Besides Private Mortgage Lending
- Commercial Mortgage Banking
- Residential Mortgage Banking
Percentage of Loans Secured by Commercial Property
75%
Percentage of Loans Secured by Residential Property
25%

Justin Kintz, CCIM
Managing Director

Brian B. Simmons
Managing Director
