Fidelity Bancorp Funding

This $536,000 purchase loan for a residential property in Chula Vista, CA closed in just three weeks! Kudos to Dillon Freeman, CFA for his exceptional work in delivering fast and efficient financing to meet the purchase contract timeline and to ensure a seamless transaction for the client. Fidelity can consistently provide quick closes so reach out if you need to move fast to ensure your transaction closes.?

New Bridge Loan Rates – Now at 9.25% ?? We are now offering bridge loans at 9.25% for multifamily properties in California—built for experienced investors who need speed, flexibility, and certainty. Loan Highlights: ???????? ??????????????: $1M - $20M ??????: Up to 65% ??????????: 12 months (extensions available) ???????????????? ????????: Multifamily (CA only) Fidelity Bancorp Funding also offers national bridge loan options across most property types. Get a quote today: https://lnkd.in/eC8WKTWx

?????? ?????????????????????? ???????? ???????? ?????????????? – Lower Rates, Streamlined Process We are now offering permanent multifamily financing for up to 30 units for experienced sponsors. Rates are ~0.75% below where they were just a couple weeks ago. Key Features: ?? No tax returns required ?? No global cash flow underwriting ?? Competitive rates starting in the low 6s ?? Interest-only options available ?? Minimal stabilization requirements ?? Primary & secondary markets eligible ?? Best pricing for loans under $3M A faster, more efficient way to secure multifamily financing. Let’s get to work.

March Spotlight: Recent Fundings from FBF The market is moving, and so are we. From bridge loans to DSCR financing, FBF continues to deliver fast, flexible capital for investors nationwide. $4.2M Multifamily Bridge – Texas $1.8M DSCR Loan – Florida $6.5M Ground-Up Construction – California These are just a few of the deals we’ve closed this month. See the full list and how we’re helping investors execute in today’s market: https://lnkd.in/gVCtUYw5 #RealEstateInvesting #PrivateLending #DSCRLoans #BridgeLoans #CRE #Multifamily

???????? ???? ?????????????? ?????? ???????? ???????? ?????? ???????? ??????????????????????????? Would you believe that U.S. banks’ non-performing CRE loans declined in Q4 2024? The chart below (via BankRegData.com) tracks call report data, comparing the lead-up to the Great Financial Crisis with the post-2022 rate hike cycle. While no two cycles are the same, could we already be past the worst of bank CRE delinquencies? For those bracing for a maturity wall meltdown, will it actually materialize? We’re skeptical that permanent bank CRE loans will be where the most credit stress plays out—especially compared to CRED iQ? data on CLOs. Maybe stronger originations are muting delinquency growth? Truth is, no one knows for sure. But one thing seems clear: ?????? ?????????????????????? ???????????? ???? ?????????????? ????. As rates stabilize and distressed assets hit the market, deal flow should only accelerate. Is this a turning point or just a pause before more volatility? Let’s hear your take. #CRE #RealEstateMarket #InterestRates #Lending

Tony Prestera successfully closed $5 million in permanent financing for this multifamily investor in Garden Grove, CA. Secured with bank financing, the loan featured a competitive fixed rate and loan to value to ensure a smooth transaction and great win for the client. #MultifamilyFinance #RealEstateFinance #CREFunding

?????? ???????? ?????????? ?????? ?? ????????-?????????????? ?????? ???????? ???????????? ?????????????????? DSCR loans are one of the most powerful financing tools for real estate investors—and here’s why: ? ???????? ???????? ?????????? ???? ?????????? ???????????? – Unlike traditional commercial loans based on NOI, DSCR loans use gross income (less management), giving investors access to higher loan proceeds. ? ?????????? ???? ???? ???????????? ???? ?? ?????????? —much faster than most bank loans. ? ???? ???????????????? ???????????? ???????? ???????????????? – Qualify based on the property’s cash flow, not personal income. ? ?????????????????????? – Works for vacant properties and allows rate locks at application. Example: We recently closed a $1.3M loan at 5.75% and 58% LTV based on gross rents. If calculated based on NOI, the loan would have been around $980K—a 24% difference in loan proceeds. Thank you Dillon Freeman, CFA? for breaking this all down.? ???????? ?????????? ???????? ?????????????????? ???????? ????????????????, ??????????????????????, ?????? ??????????. If you're looking to scale your portfolio, this could be the key. Reach out to learn more.? #DSCRLoans #RealEstateInvesting #RentalPropertyLoan #Mortgage

?????? ?????? ???????? ???????????? ???????????? ???????? ?????? ?????? ????????—?????? ???????? ??????????????. History shows that no two downturns are alike. The GFC and the S&L crisis both rocked the industry—but in completely different ways. ?? ???????? ??????: Subprime mortgage collapse led to an economic crisis, but multifamily delinquencies stayed under 1% for Fannie & Freddie. ?? ??&?? ????????????: Risky lending pushed multifamily delinquency rates as high as 30-35%, with charge-off rates hitting 5-7% annually. Today, many investors reference the GFC and assume multifamily is recession-proof—but are we looking at the wrong playbook? We don’t know exactly how this cycle will unfold, but signs are emerging. S&L crisis veterans—any insights from past cycles? #RealEstateCycles #CRE #Multifamily #MarketTrends #EconomicOutlook

Excited to share the successful closing of a $2.3M cash-out refinance for this 12-unit apartment building in San Diego. The borrower is using the funds for light rehab on the units and exterior, setting the property up for permanent financing takeout. Tara Sauerbrey did an excellent job making the process smooth and efficient for the client. #MultifamilyFinance #BridgeLoan #SanDiegoRealEstate #CRE #Refinance

?????? ???????? ??????????: DSCR loans under 6% again on 1-4 unit properties and portfolios with a five handle. With market volatility a given, locking in strong financing while you can is a smart move. Our LOIs include a free 45-day rate lock. ?? If you're in the market for financing, now’s the time to act. ?????? ?? ?????????? ????????: https://lnkd.in/eC8WKTWx #DSCR #RentalPropertyLoan #InterestRates #Mortgage