Golden Gate Realty & Finance helps real estate investors understand business-purpose loan options for non-owner-occupied properties. These pages are educational. They are not an offer to lend, a quote, a rate, or a commitment. Owner-occupied and consumer home loans are handled through our residential mortgage portal, not here.
Business-purpose loans are used to acquire, refinance, improve, or hold real estate for investment or business reasons — not to buy or refinance the home you live in. If a property is owner-occupied or for personal, family, or household use, it is a consumer transaction and must go through our residential mortgage path instead. We confirm business purpose and occupancy in writing before anything moves forward.
The programs below are described for education only. Availability, structure, and terms depend on the property, the borrower, the lender, and current guidelines. Nothing here is a quote, a rate, an approval, or a commitment to lend.
Debt-Service-Coverage-Ratio loans for non-owner-occupied rental properties. Qualification centers on the property's rental cash flow rather than the investor's personal income. Used for single rental investment properties held for income.
Short-term "bridge to stabilization" financing that helps an investor acquire or reposition an investment property before moving to longer-term financing. Business purpose only.
Short-term financing for investors acquiring and renovating investment property to resell, plus ground-up new construction and build-to-rent scenarios. For business and investment use only.
A way to package multiple stabilized, non-owner-occupied rental properties together under a single business-purpose loan structure for investors holding several rentals.
Business-purpose investment property financing paths designed for foreign national and ITIN investors buying non-owner-occupied real estate in the United States. Not for personal residences.
A licensed Golden Gate loan officer can walk you through which business-purpose structures may fit your investment scenario. This is a conversation, not a quote or a decision.
We want to be straightforward about what we originate directly and what we do not. Golden Gate Realty & Finance does not directly originate financing for 5+ unit residential, multifamily, SBA, or general commercial real estate. When your need falls into those categories, we refer you out to specialist partners who handle those loan types. We are transparent that these are referrals to third parties — we do not present them as our own direct lending, and any referral relationship is disclosed to you.
Apartment buildings of five units or more are referred to specialist multifamily lenders.
Larger multifamily investment financing is handled through referral partners, not directly by us.
Small Business Administration lending is referred out to SBA-focused lenders.
Office, retail, industrial, and other commercial real estate financing is referred to commercial specialists.
Speak with a licensed Golden Gate loan officer about business-purpose options. Owner-occupied and consumer home loans belong in our residential mortgage portal.
