Eligible properties include non-owner occupied single-family residences, condos (1–4 units), and townhomes (1–4 units
Discover the wide range of property types funded by Itsy Bitsy Commercial Mortgage. We specialize in financing small-balance loans for apartments, mixed-use buildings, retail spaces, light industrial, office properties, 4-unit residential investments, and more.
Itsy Bitsy offers a suite of loan products which are built to meet the needs of investors across different real estate investment strategies and throughout the life cycle of an investment property.
Itsy Bitsy offers a competitive and flexible DSCR product to help investors tap into existing equity or build and scale long-term rental portfolios with ease.
Loan-to-value (LTV) ratios up to 85%. Itsy Bitsy’s flexible programs focus on property cash flow, not personal income. Whether you’re tapping into equity, acquiring new assets, or scaling your rental portfolio, our streamlined approval process, and high LTV options help you build wealth with ease.
Itsy Bitsy offers DSCR loans from $875,000 to $3 million with terms of 15, 20, 25, and 30 years and loan-to-value (LTV) ratios up to 85%. Designed for real estate investors, our flexible programs focus on property cash flow, not personal income. Whether you’re tapping into equity, acquiring new assets, or scaling your rental portfolio, our streamlined approval process, competitive rates, and high LTV options help you build wealth with ease.
Up to 75% on cash-out refinances. Built for real estate investors, our loans prioritize rental property income over personal income, making it easier to qualify and grow. Whether you’re unlocking equity or expanding your portfolio, we provide fast, flexible funding to match your goals.
Itsy Bitsy funds a wide range of non-owner occupied property types, including single-family rentals, condos, townhomes (1–4 units), multifamily (5+ units), short-term rentals, mixed-use, retail, office, light industrial, mobile home parks, warehouses, self-storage, day care centers, restaurants, bars, and automotive spaces.
Itsy Bitsy offers fix and flip loans with 6 to 9-month terms and interest-only payments—perfect for investors seeking fast, flexible capital for property renovations.
Itsy Bitsy offers fix and flip loans up to $3M for 1–4 unit residential properties, including duplexes, these key benefits are designed to fuel your fix and flip investments and accelerate your profitability—ideal for fast renovations
Up to 93.5%
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Itsy Bitsy offers rental portfolio loans with 5, 7, and 10-to-15-year terms—perfect for investors seeking cash out for equity or refinance options.
Itsy Bitsy offers rental portfolio loans up to $3M for 1–4 unit residential properties, including duplexes. With competitive loan-to-cost (LTC) options, these loans are designed to maximize your purchasing power and help you finance both the acquisition and renovation costs. Ideal for investors seeking to grow or stabilize their rental holdings while preserving liquidity.
Itsy Bitsy offers rental portfolio loans up to $3M for 1–4 unit residential properties, including duplexes, with flexible LTV and ARV options to help you maximize leverage and long-term returns.
Eligible property types include single-family homes, 2–4 unit residences, townhomes, and condominiums held for rental purposes.
Borrowers can tap into our flexible bridge loans to quickly access short-term capital for acquisitions, refinancing, or completing investment projects—ideal for time-sensitive opportunities.
6 to 24 Months + Extension
Borrowers can tap into our flexible bridge loans—ranging from $150,000 to $3.5 million—to quickly access short-term capital for acquisitions, refinancing, or completing investment projects. Ideal for time-sensitive opportunities
$150K to $5M+
Up to 93.5%
Our bridge loan costs typically include an origination fee, interest-only monthly payments, and standard closing costs. Additional fees may apply for extensions or third-party reports. All terms are clearly disclosed upfront to ensure transparency and predictability.
Eligible properties include non-owner occupied single-family residences, condos (1–4 units), and townhomes (1–4 units
Designed for experienced builders and investors who require extensive reconstruction or new builds, Itsy Bitsy offers ground-up financing programs for your borrowers.
Choose flexible terms from 12 to 24 months, with extension options available. This gives you ample time to complete your construction project
Borrow between $250,000 and $5 million or more, depending on your project needs. Ideal for both small and large-scale developments.
Fund up to 90% of your total project costs. This maximizes your leverage while preserving your cash.
Access up to 70% of the property’s after-repair value. Perfect for projects with strong upside potential.
Eligible properties include non-owner occupied single-family homes (1–4 units) and multifamily buildings (5–9 units). Mixed-use properties are not permitted.
Small Multifamily (5–9 Units)
These properties include apartment buildings with five to nine rental units. They are designed for residential rental income and are often owned by investors seeking steady cash flow and long-term appreciation.
Large Multifamily (10+ Units)
These are larger apartment complexes with ten or more units. Typically owned by professional investors or firms, they offer economies of scale and are often managed by property management companies.
These properties combine residential units with commercial spaces, such as retail shops, offices, or restaurants. Investors typically rely on both rental income from residential tenants and revenue from commercial leases.
This category includes office buildings, retail centers, warehouses, and industrial spaces. These properties are used for business operations and leased to companies or retailers for commercial purposes.
Itsy Bitsy is a hard money lender serving the needs of the real estate investor and the small builder borrower who is striving to build wealth and generate income for themselves and their families. We offer hard money rehab loans and ground-up construction loans for investors only in NC, SC, GA, VA, TN, and FL.
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