Commercial Real Estate
Acquisition Loans

A commercial real estate acquisition loan provides the capital needed to purchase income-producing property — from multifamily and industrial to retail, hospitality, self-storage, and mixed-use. Unlike residential mortgages, CRE acquisition financing is underwritten primarily on the property's projected cash flow, expressed as a debt service coverage ratio (DSCR), along with the loan-to-value ratio (LTV), net operating income (NOI), and the borrower's financial profile.

Acquisition loans can be structured as permanent financing on stabilized assets, bridge-to-perm on value-add acquisitions, or agency loans (Fannie Mae, Freddie Mac, HUD) for qualifying multifamily properties. Matching your deal to the right lender type is one of the highest-leverage decisions in the financing process — and exactly where Gumption excels.

Acquisition financing is available across most commercial asset classes. Lenders typically evaluate the following:

• Loan-to-value (LTV): 65–80% on stabilized assets; 60–75% on value-add properties
• Debt service coverage ratio (DSCR): Minimum 1.20x for most conventional lenders; 1.10x or below for bridge programs
• Borrower net worth and liquidity relative to loan size
• Property location, condition, tenancy, and occupancy history
• Asset class experience of the sponsorship team

• Multifamily (5+ units), including garden, mid-rise, and high-rise
• Retail, shopping centers, and net lease
• Industrial, flex, and warehouse
• Self-storage and manufactured housing
• Office and mixed-use
• Hospitality and special-purpose assets

Most borrowers approach 3 to 5 lenders on their own — spending weeks and receiving limited feedback. Gumption eliminates that friction:

• 700+ lenders across every capital source: regional banks, national lenders, debt funds, life companies, CMBS platforms, and agency programs
• 4+ competing term sheets in 3 business days — not weeks
• AI-powered lender matching that aligns your deal's DSCR, LTV, asset class, and geography to active lender appetite
• Side-by-side term comparison: rate, LTV, DSCR requirement, recourse, fees
• Dedicated capital markets advisors who have placed debt across private funds, development firms, and institutional platforms
• Free to submit and receive term sheets — Gumption charges borrowers an origination fee only when a loan closes with a recommended lender

• Stabilized multifamily acquisitions seeking the best rate and lowest fees
• Value-add retail or industrial purchases requiring bridge-to-perm structures
• CRE principals and funds who want a capital markets extension of their team to find best-in-market terms for every asset
• Experienced sponsors executing portfolio acquisitions who need speed and scale