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KDM Financial

As a non-bank capital source, we bring speed to the commercial lending process and help borrowers capitalize on more opportunities.

Long Term Commercial Loan
Core Product

Property Types Industrial, Multi Family, Office, Warehouse
Lendding Area NATIONWIDE
Loan amount Minimum $5,000,000
Loan amount Maximum $100,000,000
Terms 5 year
Interest Only or Amortized Interest Only
Lien Position 1st
Recourse Non Recourse
Updated as of 2023-07-13
Program Code LG190

Bridge Loan
Asset Based Product

Property Types Industrial, Multi Family, Office, Retail
Lendding Area NATIONWIDE
Loan amount Minimum $5,000,000
Loan amount Maximum $30,000,000
Terms 2 year
Interest Only or Amortized Interest Only
Lien Position 1st
Updated as of 2023-07-13
Program Code LG191

Long Term Commercial Loan
SBA 504 Owner Occupied

Property Types Industrial, Office, Self-Storage, Warehouse
Lendding Area NATIONWIDE
Loan amount Minimum $3,000,000
Loan amount Maximum $30,000,000
Terms 25 year
Credit Score Min 680
Lien Position 1st
Updated as of 2023-07-13
Program Code LG193

Long Term Commercial Loan
Owner Occupied

Property Types Industrial, Office, Self-Storage, Warehouse
Lendding Area NATIONWIDE
Loan amount Minimum $3,000,000
Loan amount Maximum $30,000,000
Terms 5 year
Lien Position 1st
Updated as of 2023-07-13
Program Code LG192

Long Term Commercial Loan
Credit Tenant

Property Types Industrial, Office, Retail, Warehouse
Lendding Area NATIONWIDE
Loan amount Minimum $5,000,000
Loan amount Maximum $70,000,000
Terms 5 year
Lien Position 1st
Updated as of 2023-07-13
Program Code LG194

Summary of all Guidelines

Loan Types Commercial Loan
Property Types Industrial, Medical Office, Mixed use, Multi Family, Office, Retail, Self-Storage, Warehouse
Lendding Area alabama, arizona, arkansas, california, colorado, connecticut, delaware, florida, georgia, idaho, illinois, indiana, iowa, kansas, kentucky, louisiana, maine, maryland, massachusetts, michigan, minnesota, mississippi, missouri, montana, nebraska, nevada, new-hampshire, new-jersey, new-mexico, new-york, north-carolina, north-dakota, ohio, oklahoma, oregon, pennsylvania, rhode-island, south-carolina, south-dakota, tennessee, texas, utah, vermont, virginia, washington, west-virginia, wisconsin, wyoming
Loan amount Minimum $5,000,000
Loan amount Maximum $100,000,000
Points Minimum 1st TD 2
Terms 3 years, 5 years, 10 years
Interest Only or Amortized Interest Only, Amoritzed
Prepayment Penalty 2 year
LTV Bridge 65
LTC Construction 70
Personal Guarantee /Recourse Required Personal Guarantee Not Required / Non-Recourse
Intended Occupancy Owner, Vacant, Tenant

Offers fixed rate loans up to $100 million for, multifamily, office, retail, mixed use, self-storage, industrial, and other select other property types. As a non-bank capital source, we bring speed to the commercial lending process and help borrowers capitalize on more opportunities.

KDM Financial
KDM Financial is a middle market commercial mortgage lender offering financing from $1,000,000.00 to $100,000,000.00 on commercial real estate including multifamily, mixed-use, office, light industrial, self-storage and warehouse property types.

Our low doc program and common-sense approach gives KDM Financial the ability to provide our mortgage broker network an easy to use platform and a borrower friendly program. Our goal is to keep the approval process as simple as possible, from the initial screening to approval and all the way to closing.

Value-add Multi-family
• $1-$30 million, For loans above $30 Million please call for special pricing.
• Max LTV of 75% of appraised value or purchase price
• 80 % of the Capital Expenditures can be financed
• 1 or 2 Year interest only
• Floating rate over the 1m CME SOFR 425 to 550
• 1 or 2 year minimum interest

Owner Occupied
• $1-$30 million
• Max LTV of 75%
• 5 year Fully Amortized 25 or 30 years
• Industrial, manufacturing, office, warehouse, and self-storage
• No Depository Relationship
• 660 Minimum Credit Score

Small Business Program Owner Occupied
$1 - $30 Million
Max LTV of 90%
Amortizing 25 Years
Industrial, manufacturing, office, warehouse, and self-storage
Minimum credit score of 680
No Depository Relationship
Agency Multifamily (Fannie and Freddie)
Agency Guidelines and Rates
Fixed Rate
Acquisition
Refinance
Interest only and Amortized both available
Life Insurance Product
Retail, Industrial, Multifamily , Self Storage, Mobile Home Parks
3 and 5 Year terms
25 Year Amortization
$3 to $20 Million loan size
Borrower net worth/ 2x loan amount
Yield maintenance
.75% Rate lock at time of Commitment fee

Bloomberg Press release:
https://www.bloomberg.com/press-releases/2022-09-15/kdm-financial-ranks-388th-on-the-2022-inc-5000-annual-list-of-fastest-growing-companies

With our sharply focused approach to customer service and with over 80 years of combine commercial real estate experience we plan on establishing a new bar of excellence.

KDM Financial is located in Miami, FL. They offer financing for Commercial Loans. The property type they primarily lend against is Multi Family, Office, Industrial, Retail, Mixed use, Medical Office, Self-Storage and Warehouse. Their minimum loan amount is $5,000,000. Their maximum loan amount is $100,000,000. Maximum duration of 3 years;5 years;10 years. Points charged are deal specific, but historically have charged a minimum of 2.

These descriptions are limited information and meant for general reference purposes.
135 San Lorenzo Ave, Ste 600
Miami, 
FL
 33146