Name: Bancaverse Private Lending Rate Index
Creator: Bancaverse
Published: 2026-06-01
License: https://creativecommons.org/licenses/by/4.0/

Private Lending Rate Index

Indicative rate, leverage and term ranges for business-purpose investment-property loans, by program family. Ranges reflect the broad private & institutional lending market — not a Bancaverse quote. Your actual terms depend on the asset, the numbers, your experience and credit.

Updated June 2026 · reviewed monthly

Market backdrop. The Federal Reserve has held its target range at 3.50%–3.75% through mid-2026 after cutting in late 2025. Long-term DSCR pricing tracks the 5-year Treasury plus a credit spread; short-term bridge, flip and construction loans typically float over SOFR or Prime + a 3%–6% spread. Stabilized multifamily and industrial price tightest; office, hospitality and special-use price widest.

Program	Typical rate range	Max leverage	Typical term	Points
DSCR Rental 1–4 unit, qualified on cash flow	6.50% – 8.75%	up to 80% LTV purchase ~75% cash-out	30-yr fixed or I/O	0 – 2
No-Ratio / Low-DSCR sub-1.0 coverage or vacant	8.50% – 10.50%	65% – 75% LTV	30-yr fixed or I/O	1 – 2
Fix-and-Flip / RTL purchase + rehab draws	9.00% – 12.50%	up to 90% LTC ~70–75% ARV	12 – 18 mo (I/O)	1.5 – 3
Ground-Up Construction land + vertical, draw schedule	9.50% – 13.00%	up to 85% LTC (to ~90% shovel-ready)	12 – 24 mo	1.5 – 3
Bridge residential / small-balance, fast close	9.00% – 12.00%	up to 75% – 80% LTV	6 – 24 mo	1.5 – 2.5
Multifamily Bridge 5+ unit value-add, agency/DSCR exit	7.50% – 11.00%	65% – 75% LTC	12 – 36 mo	1 – 2
Commercial / CRE Bridge office, retail, industrial, hospitality, self-storage	9.00% – 14.00%	60% – 75% LTV	12 – 36 mo	1 – 3

How to read this

Best-qualified borrowers (DSCR ≥ 1.25, 720+ FICO, strong reserves, lower leverage, experience) price at the low end; thinner coverage, higher leverage, or first-timer/heavy-rehab deals price toward the high end.
Leverage is a trade-off with rate — bumping LTV/LTC from ~65% to ~80% commonly adds roughly 100–200 bps.
Interest-only options lower the payment and raise DSCR; prepayment penalties (often a 5-4-3-2-1 step-down) are common on long-term DSCR loans.

Methodology

Ranges are compiled from publicly published 2026 private- and institutional-lender rate sheets and industry market reports across the DSCR, residential transition (fix-and-flip), bridge, construction, multifamily and commercial segments, normalized into program families. Figures are indicative ranges for business-purpose, non-owner-occupied loans and are refreshed monthly. They are not an offer, a rate lock, or a commitment to lend.

Get matched with real competing offers One profile → up to 5 competing lender offers · no upfront fee to review

Bancaverse™ is a business-purpose mortgage brokerage operated by Bancaverse LLC. It arranges financing and does not lend directly; all loans are business-purpose and non-owner-occupied only. Rates and terms shown are market-wide indicative ranges, vary by lender, asset and borrower, and change frequently. Nothing here is an offer to lend, a commitment, or investment or legal advice. Last reviewed June 2026.