5+ multifamily · Office · Retail · Hard money or longer term
Commercial loans and 5+ unit financing
Commercial and 5+ multifamily — including 10-unit and larger — from Tampa LO Melvin List. Hard money when the file needs speed, or a longer-term commercial structure when the asset supports it.
- Who it fits
- Investors and operators with office, retail, warehouse, mixed-use, or apartments of five or more units (including 10-unit and larger). Business-purpose — not a 1–4 house flip.
- Typical down / structure
- Asset / LTV based — term follows the property and overlay
Melvin List (NMLS 243087, Florida LO524), a Tampa-based loan officer with C2 Financial Corporation (NMLS 135622), places commercial loans and 5+ unit financing — including 10-unit and larger multifamily. Call or text (813) 629-5478. Office, retail, warehouse, mixed-use, and apartments with five or more units. Term follows the property and the current overlay: short-term hard money when the file needs speed, or a longer-term commercial structure when the asset supports it. Business-purpose. Not a 1–4 house flip and not a Fannie/Freddie residential mortgage.
These files underwrite to the property, leases or rent roll, and the exit or hold plan — not a consumer AUS. Hard money / bridge: purchase, rehab, vacant, or a close that cannot wait on a bank. Longer term: stabilized or stabilize-able 5+ and commercial when the overlay allows a longer note. Ten-unit and larger multifamily are in this conversation.
Send property type, unit count, rent roll or leases, purchase or payoff, rehab if any, and whether you are holding or exiting. Florida insurance, flood, and commercial coverage still sit in the file. We quote LTV, points, prepay, and term on that scenario. Not a rate ad and not a commitment to lend.
1–4 residential hard money stays on the Private money and hard money page. This page is commercial and 5+.
- 5+ multifamily, including 10-unit and larger
- Office, retail, warehouse, mixed-use
- Term depends on the property — hard money or longer-term commercial
- Asset-based; rent roll and leases matter on 5+
- Separate from 1–4 private money and from residential DSCR
Business-purpose commercial and 5+ files are placed through C2’s investor panel where the overlay allows. Term is not one product for every building. Not a guaranteed close and not a consumer 30-year agency loan.
Related: Private money and hard money