Commercial Loan Direct (CLD) provides commercial real estate loans in Pennsylvania. Current commercial loan rates in Pennsylvania range from 4.99% to 12.75% depending on the loan program.
Pennsylvania Apartment Loan Rates
| Loan Types | Rates | LTV | Loan Amount |
|---|---|---|---|
| Fannie Mae | 5.46% - 6.26% | 80% | $700,000+ |
| Freddie Mac | 5.76% - 9.23% | 80% | $1,000,000+ |
| FHA | 4.87% - 6.22% | 83.3% | $5,000,000+ |
| Conduit / CMBS | 5.63% - 7.56% | 75% | $2,000,000+ |
| Insurance | 5.13% - 8.4% | 75% | $5,000,000+ |
| USDA | 6% - 8.75% | 85% | $1,000,000+ |
| Bridge | 5.75% - 12.75% | 80% | $1,500,000+ |
| Construction | 5.5% - 8.75% | 83.3% | $1,000,000+ |
| Conventional | 4.99% - 8.75% | 80.0% | $1,000,000+ |
For more in-depth multifamily interest rates, please visit our Apartment Loan Rates page.
Note: The commercial mortgage rates displayed in this website should be used as a guideline and do not represent a commitment to lend. Commercial Loan Direct and CLD Financial, LLC are not liable for any commercial mortgage interest rate or data entry errors that might affectthe displayed commercial loan rates. Commercial loan rates may change at any time and without notice.
Ready to Get a Multifamily Loan Quote in Pennsylvania?
Pennsylvania Interest Rates starting at 4.99%. Tell us about your property and financing goals. We will match your request with lending options based on program fit and current market conditions.
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Locations Served in Pennsylvania
We are proud to be serving the state of Pennsylvania. Here are our commercial loan statistics for this state.
Pennsylvania Cities and Towns Served
165
Pennsylvania Multifamily Commercial Lending Landscape
Pennsylvania’s multifamily lending market is anchored by major metros such as Philadelphia and Pittsburgh, along with a wide range of secondary cities and suburban communities. Demand is supported by healthcare, education, government, logistics, and diversified employment, though lending terms can vary significantly depending on submarket strength, property condition, and local transaction activity.
Primary Financing Options in Pennsylvania
- Agency loans (Fannie Mae / Freddie Mac): Common for stabilized multifamily properties (5+ units) with consistent occupancy and predictable cash flow, offering long terms and competitive pricing.
- Local and regional banks / credit unions: A major source of financing for small-to-mid sized properties, often providing relationship-based lending with recourse and shorter loan maturities.
- Bridge loans: Frequently used for value-add acquisitions, lease-up situations, or operational repositioning before refinancing into permanent debt.
- CMBS and debt funds: Available for larger loan sizes, portfolio transactions, or situations requiring flexible structures or higher leverage.
- Construction loans: Typically bank-led and conservative, requiring experienced sponsorship, strong feasibility, and meaningful borrower equity.
Key Underwriting Considerations in Pennsylvania
Lenders in Pennsylvania focus on submarket performance, property condition, and realistic income expectations. Because the state includes many smaller and tertiary markets, underwriting often reflects local liquidity and comparable sales availability.
- Submarket strength: Core urban neighborhoods, strong suburbs, and areas near major employment centers typically receive the best loan terms.
- Occupancy and collections: Stable historical performance supports higher leverage, while volatility may reduce loan proceeds.
- Comparable sales: Limited transaction volume in smaller markets can constrain appraised values and lender leverage.
- Property age and capital needs: Older housing stock is common, and deferred maintenance may require repair escrows or bridge financing.
- Local economic drivers: Universities, hospitals, government facilities, and logistics hubs help support long-term rental demand.
Common Pennsylvania Deal Profiles
- Stabilized workforce housing: Often financed with agency or bank permanent loans when financial performance is consistent and well documented.
- Value-add repositioning: Bridge financing is commonly used to fund renovations, system upgrades, and operational improvements before refinancing.
- Small-balance properties (5–50 units): Frequently financed through local lenders with recourse and conservative leverage.
- New development and adaptive reuse: Construction loans are available but require strong sponsorship, detailed cost controls, and conservative lease-up assumptions.
Documentation and Loan Requirements
A complete and well-prepared loan package helps lenders evaluate both the property and the sponsor, improving execution speed and loan terms.
- Operating documentation: Current rent roll, trailing 12-month (T-12) financials, and explanations for any unusual income or expense trends.
- Sponsor qualifications: Net worth, liquidity, real estate experience, and a clear management plan.
- Third-party reports: Appraisal, Phase I environmental, and property condition assessments depending on the lender and loan type.
- Renovation scope (if applicable): Detailed capex budget, contractor bids, and a realistic timeline for stabilization.
Challenges and Opportunities
Pennsylvania offers stable long-term multifamily demand in many markets, but lenders may remain cautious in smaller or less liquid areas. Borrowers who present conservative projections and strong financial capacity typically achieve the most favorable financing outcomes.
- Challenges: aging housing inventory, limited comparable sales in tertiary markets, and conservative underwriting on aggressive rent growth assumptions.
- Opportunities: value-add renovation of older properties, improving under-managed workforce housing, and targeting markets supported by institutional employment and population stability.
How to Strengthen a Pennsylvania Multifamily Loan Request
- Match the financing to the strategy: Stabilized properties are best suited for permanent loans, while transitional assets typically require bridge financing.
- Use conservative projections: Support rent, vacancy, and expense assumptions with local market data.
- Highlight demand drivers: Universities, healthcare systems, government employment, and major regional employers.
- Demonstrate liquidity and reserves: Strong borrower financial capacity helps mitigate lender concerns in smaller or less liquid markets.
Lending Cities
Commercial loan direct provides services in the following Pennsylvania cities. Please note we may be able to provide services in other cities as well by request. Rates are dependent on the market in your locale.
- Abbottstown
- Adams County
- Adamstown
- Akron
- Albion
- Alburtis
- Aldan
- Aliquippa
- Allegheny County
- Alleghenyville
- Allentown
- Allison Park
- Almedia
- Altoona
- Ambler
- Ambridge
- Amity Gardens
- Ancient Oaks
- Annville
- Apollo
- Archbald
- Ardmore
- Arlington Heights
- Armstrong County
- Arnold
- Ashland
- Ashley
- Aspinwall
- Atglen
- Athens
- Audubon
- Avalon
- Avis
- Avoca
- Avon
- Avondale
- Avonia
- Back Mountain
- Baden
- Baidland
- Bainbridge
- Bakerstown
- Bala-Cynwyd
- Baldwin
- Bally
- Bangor
- Barnesboro
- Bath
- Bear Rocks
- Beaver
- Beaver County
- Beaver Falls
- Beaverdale
- Bedford
- Bedford County
- Bedminster
- Beech Mountain Lakes
- Belfast
- Bell Acres
- Belle Vernon
- Bellefonte
- Belleville
- Bellevue
- Bellwood
- Belmont
- Ben Avon
- Bentleyville
- Berks County
- Berlin
- Berwick
- Berwyn
- Bessemer
- Bethel Park
- Bethlehem
- Big Bass Lake
- Big Beaver
- Biglerville
- Birchwood Lakes
- Birdsboro
- Black Lick
- Blair County
- Blairsville
- Blakely
- Blandon
- Blawnox
- Bloomfield
- Bloomsburg
- Blossburg
- Blue Ball
- Blue Bell
- Boalsburg
- Boiling Springs
- Bonneauville
- Boothwyn
- Boswell
- Bowmansville
- Boyertown
- Brackenridge
- Braddock
- Braddock Hills
- Bradford
- Bradford County
- Bradford Woods
- Breinigsville
- Brentwood
- Bressler
- Brickerville
- Bridgeport
- Bridgeville
- Bristol
- Brittany Farms-Highlands
- Brockway
- Brodheadsville
- Brookhaven
- Brookville
- Broomall
- Brownstown
- Brownsville
- Browntown
- Bryn Athyn
- Bryn Mawr
- Bucks County
- Burgettstown
- Burnham
- Butler
- Butler County
- California
- Caln
- Calumet
- Cambria County
- Cambridge Springs
- Cameron County
- Camp Hill
- Campbelltown
- Canonsburg
- Canton
- Carbon County
- Carbondale
- Carlisle
- Carnegie
- Carnot-Moon
- Carroll Valley
- Castanea
- Castle Shannon
- Catasauqua
- Catawissa
- Cecil-Bishop
- Cementon
- Center City
- Centerville
- Central City
- Centre County
- Centre Hall
- Cetronia
- Chalfont
- Chambersburg
- Charleroi
- Cherryville
- Chester
- Chester County
- Chester Heights
- Chester Springs
- Chesterbrook
- Cheswick
- Chevy Chase Heights
- Chicora
- Chinchilla
- Christiana
- Church Hill
- Churchill
- Churchville
- Clairton
- Clarion
- Clarion County
- Clarks Green
- Clarks Summit
- Clay
- Claysburg
- Clearfield
- Clearfield County
- Cleona
- Clifton Heights
- Clinton County
- Clymer
- Coaldale
- Coatesville
- Cochranton
- Collegeville
- Collingdale
- Collinsburg
- Colonial Park
- Colony Park
- Columbia
- Columbia County
- Colwyn
- Conashaugh Lakes
- Conemaugh
- Conestoga
- Conneaut Lakeshore
- Connellsville
- Conshohocken
- Conway
- Conyngham
- Coopersburg
- Coplay
- Coraopolis
- Cornwall
- Cornwells Heights
- Corry
- Coudersport
- Crafton
- Cranberry Township
- Crawford County
- Cresson
- Cressona
- Croydon
- Cumberland County
- Curtisville
- Curwensville
- Dale
- Dallas
- Dallastown
- Dalton
- Danville
- Darby
- Dauphin County
- Davidsville
- Delaware County
- Delmont
- Denver
- Derry
- Devon
- Dewart
- Dickson City
- Dillsburg
- Donora
- Dormont
- Dorneyville
- Dover
- Downingtown
- Doylestown
- Dravosburg
- Dresher
- Drexel Hill
- Dublin
- DuBois
- Duboistown
- Dunbar
- Duncannon
- Duncansville
- Dunmore
- Dunnstown
- Dupont
- Duquesne
- Duryea
- Eagleview
- Eagleville
- Earlston
- East Bangor
- East Berlin
- East Berwick
- East Conemaugh
- East Earl
- East Greenville
- East Lansdowne
- East McKeesport
- East Petersburg
- East Pittsburgh
- East Stroudsburg
- East Uniontown
- East Washington
- East York
- Eastlawn Gardens
- Easton
- Ebensburg
- Economy
- Eddington
- Eddystone
- Edgewood
- Edgeworth
- Edinboro
- Edwardsville
- Effort
- Egypt
- Elim
- Elizabeth
- Elizabethtown
- Elizabethville
- Elk County
- Elkland
- Ellport
- Ellwood City
- Elverson
- Elysburg
- Emerald Lakes
- Emigsville
- Emmaus
- Emporium
- Emsworth
- Enhaut
- Enlow
- Enola
- Ephrata
- Erie
- Erie County
- Espy
- Etna
- Evans City
- Evansburg
- Everett
- Exeter
- Exton
- Factoryville
- Fairchance
- Fairdale
- Fairhope
- Fairless Hills
- Fairview
- Fairview-Ferndale
- Falls Creek
- Farrell
- Faxon
- Fayette County
- Fayetteville
- Feasterville
- Fellsburg
- Ferndale
- Fernway
- Fivepointville
- Fleetwood
- Flemington
- Flourtown
- Flying Hills
- Folcroft
- Folsom
- Ford City
- Forest City
- Forest County
- Forest Hills
- Fort Washington
- Forty Fort
- Foster Brook
- Fountain Hill
- Fox Chapel
- Fox Chase
- Fox Run
- Frackville
- Franklin
- Franklin County
- Franklin Park
- Fredericksburg
- Freedom
- Freeland
- Freemansburg
- Freeport
- Friedens
- Fullerton
- Fulton County
- Galeton
- Gallitzin
- Gap
- Garden View
- Gastonville
- Geistown
- Georgetown
- Gettysburg
- Gibsonia
- Gilbertsville
- Girard
- Girardville
- Glassport
- Glen Lyon
- Glen Rock
- Glenolden
- Glenshaw
- Glenside
- Gold Key Lake
- Grantley
- Green Tree
- Greencastle
- Greene County
- Greenfields
- Greenock
- Greensburg
- Greenville
- Greenwood
- Grill
- Grove City
- Guilford
- Guilford Siding
- Halfway House
- Hallam
- Hallstead
- Hamburg
- Hanover
- Harleigh
- Harleysville
- Harrisburg
- Harveys Lake
- Hasson Heights
- Hastings
- Hatboro
- Hatfield
- Hawley
- Hazleton
- Hebron
- Heidelberg
- Hellertown
- Hemlock Farms
- Hermitage
- Hershey
- Highland Park
- Highspire
- Hilldale
- Hiller
- Hokendauqua
- Hollidaysburg
- Homeacre-Lyndora
- Homer City
- Homestead
- Hometown
- Honesdale
- Honey Brook
- Hopwood
- Horsham
- Houserville
- Houston
- Hudson
- Hughestown
- Hughesville
- Hummels Wharf
- Hummelstown
- Huntingdon
- Huntingdon County
- Hyde
- Hyde Park
- Imperial
- Indian Mountain Lake
- Indiana
- Indiana County
- Industry
- Ingram
- Inkerman
- Intercourse
- Irwin
- Ivyland
- Jacksonwald
- Jacobus
- Jeannette
- Jefferson County
- Jefferson Hills
- Jenkintown
- Jermyn
- Jerome
- Jersey Shore
- Jessup
- Jim Thorpe
- Johnsonburg
- Johnstown
- Jonestown
- Juniata County
- Kane
- Kenhorst
- Kenilworth
- Kenmar
- Kennett Square
- King of Prussia
- Kingston
- Kittanning
- Knox
- Kulpmont
- Kulpsville
- Kutztown
- Lackawanna County
- Lafayette Hill
- Laflin
- Lake City
- Lake Heritage
- Lake Latonka
- Lake Meade
- Lake Wynonah
- Lakemont
- Lampeter
- Lancaster
- Lancaster County
- Landisville
- Langhorne
- Langhorne Manor
- Lansdale
- Lansdowne
- Lansford
- Laporte
- Larksville
- Latrobe
- Laureldale
- Laurys Station
- Lawnton
- Lawrence County
- Lawrence Park
- Lawson Heights
- Lebanon
- Lebanon County
- Lebanon South
- Leechburg
- Leesport
- Leetsdale
- Lehigh County
- Lehighton
- Leith-Hatfield
- Lemont
- Lemoyne
- Lenape Heights
- Leola
- Level Green
- Levittown
- Lewisburg
- Lewistown
- Liberty
- Light Street
- Ligonier
- Lima
- Limerick
- Lincoln
- Lincoln Park
- Linglestown
- Linntown
- Linwood
- Lionville
- Lititz
- Littlestown
- Lock Haven
- Loganville
- Lorane
- Loretto
- Lower Allen
- Lower Burrell
- Loyalhanna
- Luzerne
- Luzerne County
- Lycoming County
- Lykens
- Lynnwood-Pricedale
- Macungie
- Mahanoy City
- Malvern
- Manchester
- Manheim
- Manor
- Mansfield
- Maple Glen
- Marcus Hook
- Marianne
- Marienville
- Marietta
- Mars
- Marshallton
- Martinsburg
- Marysville
- Masontown
- Matamoras
- Mayfield
- Maytown
- McAdoo
- McConnellsburg
- McConnellstown
- McDonald
- McGovern
- McKean County
- McKees Rocks
- McKeesport
- McMurray
- McSherrystown
- Meadowood
- Meadville
- Mechanicsburg
- Mechanicsville
- Media
- Mercer
- Mercer County
- Mercersburg
- Meridian
- Meyersdale
- Middleburg
- Middletown
- Midland
- Midway
- Mifflin County
- Mifflinburg
- Mifflintown
- Mifflinville
- Milesburg
- Milford
- Mill Hall
- Millbourne
- Millersburg
- Millersville
- Millvale
- Milroy
- Milton
- Minersville
- Mohnton
- Monaca
- Monessen
- Monongahela
- Monroe County
- Monroeville
- Mont Alto
- Montgomery
- Montgomery County
- Montgomeryville
- Montour County
- Montoursville
- Montrose
- Moosic
- Morrisville
- Morton
- Moscow
- Mount Carmel
- Mount Cobb
- Mount Holly Springs
- Mount Joy
- Mount Lebanon
- Mount Oliver
- Mount Penn
- Mount Pleasant
- Mount Pocono
- Mount Union
- Mount Wolf
- Mountain Top
- Mountainhome
- Mountville
- Muhlenberg Park
- Muncy
- Mundys Corner
- Munhall
- Murrysville
- Muse
- Myerstown
- Nanticoke
- Nanty Glo
- Narberth
- Nazareth
- Nescopeck
- Nesquehoning
- New Beaver
- New Berlinville
- New Bloomfield
- New Brighton
- New Britain
- New Castle
- New Castle Northwest
- New Columbia
- New Cumberland
- New Eagle
- New Freedom
- New Holland
- New Hope
- New Kensington
- New Oxford
- New Philadelphia
- New Stanton
- New Wilmington
- Newmanstown
- Newport
- Newtown
- Newtown Grant
- Newville
- Nixon
- Norristown
- North Apollo
- North Belle Vernon
- North Braddock
- North Catasauqua
- North Charleroi
- North East
- North Versailles
- North Wales
- North Warren
- North York
- Northampton
- Northampton County
- Northern Cambria
- Northumberland
- Northumberland County
- Northwest Harborcreek
- Norwood
- Oak Hills
- Oakdale
- Oakland
- Oakmont
- Oakwood
- Ohioville
- Oil City
- Old Forge
- Old Orchard
- Oley
- Oliver
- Olyphant
- Orchard Hills
- Oreland
- Orwigsburg
- Osceola Mills
- Oxford
- Palmdale
- Palmer Heights
- Palmerton
- Palmyra
- Palo Alto
- Paoli
- Paradise
- Park Forest Village
- Parkesburg
- Parkside
- Parkville
- Patton
- Paxtang
- Paxtonia
- Pen Argyl
- Penbrook
- Penn Estates
- Penn Hills
- Penn Wynne
- Penndel
- Pennsburg
- Pennside
- Pennsport
- Pennville
- Penryn
- Perkasie
- Perry County
- Perryopolis
- Philadelphia
- Philadelphia County
- Philipsburg
- Phoenixville
- Pike County
- Pine Grove
- Pine Grove Mills
- Pine Ridge
- Pitcairn
- Pittsburgh
- Pittston
- Plains
- Pleasant Gap
- Pleasant Hill
- Pleasant Hills
- Plum
- Plumsteadville
- Plymouth
- Plymouth Meeting
- Pocono Pines
- Pocono Ranch Lands
- Point Marion
- Port Allegany
- Port Carbon
- Port Vue
- Portage
- Potter County
- Pottsgrove
- Pottstown
- Pottsville
- Progress
- Prospect
- Prospect Park
- Punxsutawney
- Pymatuning Central
- Quakertown
- Quarryville
- Radnor
- Rankin
- Raubsville
- Reading
- Reamstown
- Red Hill
- Red Lion
- Reiffton
- Reinholds
- Rennerdale
- Renovo
- Republic
- Reynolds Heights
- Reynoldsville
- Rheems
- Richboro
- Richland
- Richlandtown
- Ridgway
- Ridley Park
- River View Park
- Riverside
- Roaring Spring
- Robesonia
- Rochester
- Rockledge
- Roseto
- Rothsville
- Royalton
- Royersford
- Russell
- Russellton
- Rutherford
- Saint Clair
- Saint Lawrence
- Saint Marys
- Salix
- Salunga
- Sanatoga
- Sand Hill
- Sandy
- Saw Creek
- Saxonburg
- Saylorsburg
- Sayre
- Schlusser
- Schnecksville
- Schoeneck
- Schuylkill County
- Schuylkill Haven
- Schwenksville
- Scotland
- Scottdale
- Scranton
- Selinsgrove
- Sellersville
- Seneca
- Seven Fields
- Sewickley
- Shamokin
- Shamokin Dam
- Shanor-Northvue
- Sharon
- Sharon Hill
- Sharpsburg
- Sharpsville
- Shavertown
- Sheffield
- Shenandoah
- Shenandoah Heights
- Shillington
- Shiloh
- Shinglehouse
- Shippensburg
- Shiremanstown
- Shoemakersville
- Shrewsbury
- Sierra View
- Simpson
- Sinking Spring
- Skippack
- Skyline View
- Slatington
- Slippery Rock
- Smethport
- Snyder County
- Somerset
- Somerset County
- Souderton
- South Coatesville
- South Connellsville
- South Greensburg
- South Park Township
- South Pottstown
- South Temple
- South Uniontown
- South Waverly
- South Williamsport
- Southmont
- Southwest Greensburg
- Spangler
- Speers
- Spinnerstown
- Spring City
- Spring Grove
- Spring House
- Spring Mount
- Spring Ridge
- Springdale
- Springfield
- Spry
- State College
- State Line
- Steelton
- Stewartstown
- Stiles
- Stoneboro
- Stony Creek Mills
- Stonybrook
- Stormstown
- Stowe
- Strasburg
- Stroudsburg
- Sturgeon
- Sugarcreek
- Sullivan County
- Summit Hill
- Sun Valley
- Sunbury
- Sunrise Lake
- Susquehanna
- Susquehanna County
- Susquehanna Trails
- Swarthmore
- Swartzville
- Swissvale
- Swoyersville
- Sykesville
- Tacony
- Tamaqua
- Tannersville
- Tarentum
- Tatamy
- Taylor
- Telford
- Temple
- Terre Hill
- The Hideout
- Thompsonville
- Thorndale
- Throop
- Tinicum
- Tioga County
- Tionesta
- Tipton
- Titusville
- Toftrees
- Topton
- Toughkenamon
- Towamensing Trails
- Towanda
- Tower City
- Trafford
- Trainer
- Trappe
- Treasure Lake
- Tremont
- Trevorton
- Trevose
- Trexlertown
- Trooper
- Troy
- Trucksville
- Tullytown
- Tunkhannock
- Turtle Creek
- Tyrone
- Union City
- Union County
- Uniontown
- Upland
- Upper Saint Clair
- Valley Green
- Valley View
- Vandergrift
- Venango County
- Verona
- Versailles
- Village Green-Green Ridge
- Village Shires
- Vinco
- Wallenpaupack Lake Estates
- Walnutport
- Warminster Heights
- Warren
- Warren County
- Washington
- Washington County
- Waterford
- Watsontown
- Waymart
- Wayne
- Wayne County
- Wayne Heights
- Waynesboro
- Waynesburg
- Weatherly
- Weigelstown
- Weissport East
- Wellsboro
- Wernersville
- Wescosville
- Wesleyville
- West Chester
- West Conshohocken
- West Easton
- West Fairview
- West Grove
- West Hamburg
- West Hazleton
- West Hills
- West Homestead
- West Kittanning
- West Lawn
- West Leechburg
- West Mayfield
- West Mifflin
- West Newton
- West Norriton
- West Pittston
- West Reading
- West View
- West Wyoming
- West Wyomissing
- West York
- Westfield
- Westmont
- Westmoreland County
- Wharton
- Whitaker
- White Haven
- White Oak
- Whitehall
- Whitehall Township
- Whitfield
- Whitman
- Wickerham Manor-Fisher
- Wilkes-Barre
- Wilkinsburg
- Williamsburg
- Williamsport
- Williamstown
- Willow Grove
- Willow Street
- Wilmerding
- Wilson
- Wind Gap
- Windber
- Windsor
- Wolfdale
- Womelsdorf
- Woodbourne
- Woodland Heights
- Woodlyn
- Woodside
- Wormleysburg
- Woxall
- Wrightsville
- Wyncote
- Wyndmoor
- Wyoming
- Wyoming County
- Wyomissing
- Wyomissing Hills
- Yardley
- Yeadon
- Yeagertown
- Yoe
- York
- York County
- Yorklyn
- Youngsville
- Youngwood
- Zelienople
- Zion
Commercial Loan FAQs in Pennsylvania
Multifamily interest rates in Pennsylvania vary based on loan type, property type, loan-to-value, debt service coverage ratio, borrower strength, and market conditions. They range from approximately 4.99% to 12.75%.
Borrowers in Pennsylvania can access Conventional, CMBS/Conduit, Insurance, FHA/HUD, USDA, Bridge, Construction, and SBA financing based on property type, leverage, and occupancy.
Multifamily loan rates in Pennsylvania depend on loan type, property cash flow, debt service coverage ratio, loan-to-value, borrower strength, and market conditions.
Yes. Owner-occupied financing is available in Pennsylvania, including Conventional, Insurance, SBA, USDA, and selected agency programs when eligibility requirements are met.
Yes. Refinance options in Pennsylvania include rate-and-term and cash-out structures, subject to underwriting, property performance, and lender program guidelines.
