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FHA Commercial Loans

FHA-insured commercial and multifamily loan programs may be available for qualified multifamily, healthcare, senior housing, and certain specialized real estate projects through approved lenders and applicable federal program guidelines.

At Pristine Capital, we help borrowers and sponsors review FHA-related commercial financing scenarios based on property type, project purpose, occupancy, income profile, borrower experience, documentation, and program eligibility. Available terms, rates, leverage, fees, processing timelines, and documentation requirements vary by program, lender, property type, and borrower qualifications.

FHA-related programs can be useful for eligible acquisition, refinance, substantial rehabilitation, new construction, healthcare, and multifamily housing transactions where the project fits program requirements.

Common FHA-related commercial uses may include:

• Multifamily acquisition or refinance
• New construction or substantial rehabilitation of eligible apartment properties
• Healthcare, senior housing, or specialized facility financing where eligible
• Refinance of existing FHA-insured multifamily or healthcare debt
• Supplemental financing for qualified existing projects

Program categories may include:

• FHA multifamily acquisition or refinance programs
• FHA new construction and substantial rehabilitation programs
• FHA healthcare and senior housing programs where applicable
• Supplemental loan or refinance structures for eligible properties

Typical review factors may include:

• Property type, occupancy, and program eligibility
• Project income, expenses, and debt service support
• Borrower and sponsor experience
• Construction, rehabilitation, or refinance scope
• Required third-party reports and documentation
• Program-specific processing, underwriting, and timing requirements

FHA-insured commercial financing can involve detailed underwriting and longer processing timelines than conventional or private capital. Our team can help review the scenario and determine whether an FHA-related structure may fit the project.

Start your FHA commercial loan request today or call 800-407-5696 to discuss available options.