The things borrowers ask.

Office, retail, industrial and warehouse, multifamily (5+ units), mixed-use, self-storage, and select hospitality. If it produces income, we'll look at it.

Most deals run from $500,000 to $25 million, with bridge and construction facilities up to $40 million. Smaller and larger requests are considered case by case.

A term sheet typically lands within 48 hours of a complete submission. Bridge deals can fund in as few as 10 days; permanent loans usually close in three to five weeks.

Both are available. Non-recourse is common on stabilized assets at conservative leverage; bridge and construction facilities often carry a completion or carve-out guaranty.

The property address, a current rent roll and trailing operating statement, your purchase price or current basis, and the loan amount you're after. That's enough to price it.

No application fee to get a term sheet. Third-party costs — appraisal, title, environmental — are the borrower's, and we'll lay them out before you spend a dollar.

Permanent financing is the long-term mortgage on a stabilized, income-producing property, and it's the cheaper of the two. Bridge financing is short-term, interest-only capital for a property that isn't stabilized yet, or a closing that can't wait for a bank's timeline. You pay a premium for bridge debt, but you're buying speed and flexibility a stabilized-property loan can't offer. We walk through the trade-off, including where each one actually pencils out, in our bridge-vs-permanent breakdown.

A current rent roll that ties cleanly to your leases, trailing operating statements, and a personal financial statement for the guarantors. Add the purchase agreement or current loan documents depending on whether it's an acquisition or a refinance. A complete, legible file at application means underwriting starts on day one instead of day twenty — we cover the full checklist and why it matters in our closing-speed playbook.

Both, though the structure differs. Investment property is underwritten on the rent roll and its own income; owner-occupied property gets the added benefit of the operating business as a second source of repayment, which is part of why owner-occupied and certain SBA-backed structures can reach higher leverage. Tell us which situation you're in and we'll size the request the right way rather than force one structure onto both.

Debt service coverage ratio — net operating income divided by annual debt service — is often what caps your loan before leverage ever does. A stronger cushion above the minimum coverage a lender wants signals a safer loan and can support both a larger amount and better pricing; a thin cushion pulls both down. It's the single number worth understanding before you call us, and we break down exactly how it works in our DSCR explainer.

Most declines come down to one of three things, plainly: coverage that doesn't clear the bar even after we rebuild the income conservatively, sponsor liquidity that's too thin to cover reserves or a rough patch, or asset condition that raises real doubt about the property's ability to perform. We'd rather tell you which of the three it is than send a vague no — and where the fix is fixable, we'll say that too.

Neither, exactly. Keystone is part of the Selective Capital business-funding network: your deal is structured by our desk and matched across the network's capital sources rather than shopped to outside brokers, and one person owns your file from the first call to the closing table. We won't claim to be the balance sheet behind every deal, because we aren't — but it is one desk, one point of contact, and one team accountable for getting your deal closed.