FHA COMMERCIAL REAL ESTATE
Trust Capital provides FHA-insured financing solutions nationwide. We finance acquisitions, substantial rehabilitations, loan refinancing, and new construction.
OUR FHA PROGRAMS
New Multifamily Construction/ Substantial Rehabilitation
FHA secured interest only construction loans that convert to a 40 year permanent mortgage upon completion. Up to 87% Loan to Cost with a 40 year amortization period (no balloon) and no maximum loan amount. Low fixed interest rates based on market spreads over the Ten-Year Treasury Yield paired with No Personal Guarantees and a minimum DSCR of 1.15. This loan is always assumable with the third-party expenses & loan costs included in the financing.
Multifamily Acquisition / Refinance
An 87% Loan to Value on a 35 year fixed amortization schedule (no balloon). A 6.5% seller soft second may be allowed with no maximum loan amount. Low fixed interest rates based on market spreads over the Ten-Year Treasury Yield paired with No Personal Guarantees and a minimum DSCR of 1.15. This loan is always assumable with the third-party expenses & loan costs included in the financing.
Health Care Facilities
New Construction / Substantial Rehabilitation loans provide 90% Loan to Cost, with interest only until completion which then automatically converts to a 40 year fixed rate permanent mortgage. Refinancing provides 80% Loan to Value over a 35 year fixed period. All three of these loans are Low fixed interest rates based on market spreads over the Ten-Year Treasury Yield paired with No Personal Guarantees and a minimum DSCR of 1.45. This loan is always assumable with the third-party expenses & loan costs included in the financing.
How Does FHA Commercial Real Estate Funding Help?
Commercial real estate loans offer long amortization periods—up to 35 years—making monthly payments more manageable and helping preserve your business’s cash flow. With loan-to-value ratios as high as 90% and no maximum loan amount, business owners can take on significant property investments without massive upfront costs. This is ideal for real estate developers, healthcare institutions, or nonprofits looking to expand or optimize their facilities.
Additionally, Section 202 communities benefit from a special refinancing option that lets them use interest savings to enhance resident living conditions. Whether you’re in multifamily housing, healthcare, or nonprofit development, Trust Capital’s CRE programs provide highly structured, low-interest financing solutions that remove funding roadblocks and support long-term property value growth.
FAQs: FHA Commercial Real Estate
Multi-family, nursing homes, and nonprofit housing projects are all eligible.
Yes, most loan costs and third-party expenses can be financed.
Absolutely. Our programs support both for-profit and nonprofit real estate developments.