Frequently Asked Questions

General Questions

Nadlan Capital Group is a commercial lender that specializes in residential real estate. We provide affordable financing solutions to residential investors.

We offer low-cost term loans to finance stabilized rental properties and flexible bridge loans for short-term investment strategies. For an overview of our products, click here.

We are a commercial lender that provides financing for businesses that invest in non-owner occupied residential properties. Our borrowers use the proceeds from our loans to finance their real estate businesses whereas residential home loan borrowers use their proceeds to finance their primary residence.

Questions from Borrowers

Our borrowers range from those who have fixed and flipped a couple homes to those who manage hundreds of rental properties. We have loans tailored to different borrower experience levels and funding needs.
Yes. Because we are a commercial lender, you will need a Special Purpose Entity (typically a Limited Liability Corporation, or LLC) for your loan. If you don’t have one, no need to worry—it is typically a very straightforward process and our team can assist you.
Our Rental Loans are for stabilized rental properties with leased homes. Typically, this means that nearly all homes are leased or in the process of being leased when the loan closes. Several of our borrowers take advantage of our Bridge Loans to purchase and aggregate properties until they are mostly leased and can be financed with a Rental Loan.
Yes. Foreign nationals are an important part of our business.
In general, we do not have a minimum credit score threshold. Instead, we look at a borrower’s overall credit profile, track record and liquidity.

Please complete our online application, email us at financing@forumrealestateusa.com or call us at
( +1)
978-600-8229 to get started.

Questions from Brokers

Yes, we work extensively with brokers and are always looking for new relationships. We have partner programs that enable brokers to earn meaningful compensation.

Please complete our online broker referral form, email us at support@forumnadlanusa.com or call us at 978-600-8229 to get started.

Questions on Products

Yes, we offer both recourse and non-recourse Rental Loans. Recourse loans are guaranteed by the individual or operator. Non-recourse loans are secured only by the underlying real estate of the borrower, with certain exceptions such as such as fraud and bankruptcy.
Yes. Many of our borrowers take advantage of this feature.
We finance certain rehab expenses under our Fix and Flip Bridge Loans. We also offer Ground Up Construction loans to qualified investors.
The debt service coverage ratio (DSCR) is the relationship of a property’s annual net operating income (NOI) to its annual mortgage debt service (principal and interest payments). For Rental Loans, we use DSCR to determine how large of a loan can be supported by the cash flow generated from a borrower’s portfolio.
Loan-to-Value (LTV) is the relationship of the size of the loan to the current value of the properties supporting the loan. We use LTV to determine the size of a Rental Loan and the advance proceeds for Credit Lines.
Yield maintenance is a form of prepayment penalty that only applies if the borrower pays off the loan before a predetermined date. If applicable, the payment due is the present value of remaining future interest payments over the balance of the loan term.
Most of our Rental Loans amortize based on a 30-year schedule. We also have Interest Only options available.
For our Rental Portfolio Loan, we require a minimum of 5 properties. We also offer a single asset rental loan on individual properties.

Depending on the loan product, we require different minimum amounts. Click here for a product overview which shows the minimum and maximum amounts for each product.

We offer fixed interest rates on all products.
The outstanding balance is due at the maturity date. This is often referred to as a “balloon” payment. Contact us to discuss the different options.
We have state specific insurance requirements for both property and commercial liability. Contact us for specific requirements regarding your portfolio assets.
For Rental Portfolio Loans, we require reserves for taxes, insurance and capital expenditures.

Questions on Process

We usually respond back to potential borrowers with a term sheet between 2-7 days.
Most of our Rental Loans close within 4-6 weeks. Our Bridge Loans typically close within 3-4 weeks.
Yes. Borrowers can self-manage their own properties or use 3rd party property managers.
Yes. We try to close transactions as quickly as possible. Often, this means we will work with borrower title/escrow companies.