SF Capital Group: 2024 Recap & 2025-26 Outlook
SF Capital Group originated and serviced over $344M in loans across 12 states in 2024, working with eight exclusive and non-exclusive life insurance companies, CMBS conduits, and other financial institutions.
2024 Highlights:
Focused on refinances, new construction, owner-occupied, and recapitalizations.
Offered flexible prepayment options in a rising rate environment.
2025-26 Outlook:
Increased loan maturities and acquisition opportunities expected.
DSC is a key loan determinant in the current high-rate environment.
Targeting all property types, with nuanced approaches for office and hotels.
Key Lending Programs:
Life Companies: Spreads from 130-225 bps over Treasury, 3–20-year fixed rates, 60-70% LTV, DSCR 1.20x-1.30x, apartments, rental, industrial, self-storage, and other property types.
CMBS/Conduit: 60-70% LTV, 5–10-year fixed terms, 30-year amortization, interest-only options & non-recourse.
Banks/Credit Unions: Higher LTV with recourse, 5-year fixed with reset, flexible prepayments, 250-275 bps over 5-year Treasury, construction/bridge loans. Floating rates also available.
Bridge/Short-Term: Non-recourse, higher rates/fees, interest-only, minimal prepayment fees, and quick closings.
Agency (Fannie/Freddie/HUD): Multifamily focus, 75-80% LTV, 140-230 bps pricing.
Please contact us to discuss any financing opportunities.
