Multifamily
Five plus unit apartment properties with a stabilized rent roll or a credible lease-up plan.
Property loans, read like an operating business
Multifamily, mixed use, retail, office, industrial and owner-occupied property underwritten with the rent roll, the sponsor and the exit in the same conversation.
Commercial real estate
A clear service, delivered by bankers
A commercial property is not just collateral. It has tenants, a lease schedule, a capital plan and a sponsor who has to service the debt. We underwrite all four, then give the borrower a clear answer and a named banker through closing.
Next step
Tell us what you need. A banker will reply within one business day with the right person, the documents we need and a clear timeline.
Talk to a commercial lenderTypical loan size $500,000–$7,000,000. Up to 75% loan-to-value, 25–30 year amortization and fixed-rate periods of 3, 5 or 10 years. All loans are subject to credit approval, appraisal and environmental review.
The service
What is available
Mixed-use
Residential over retail or office, underwritten with each income stream visible.
Retail
Neighborhood centers and single tenant retail with a lease schedule that supports the debt.
Office
Small and mid sized professional office buildings in established Orange County submarkets.
Industrial and flex
Warehouse, light industrial and flex space serving the port and defense supply chain.
Owner occupied
Premises loans for operating businesses that want to own instead of lease.
How the loan is underwritten
We start with the property's actual income and the sponsor's liquidity, not a pro forma. A banker will tell you early if the debt service, the appraisal or the lease profile does not support the request.
- Trailing 12 months operating statement and current rent roll
- Lease schedule and tenant concentration
- Sponsor personal financial statement and liquidity
- Appraisal, environmental review and insurance
What we do not finance
We do not lend on speculative ground-up development, unentitled land or a business plan that depends on a single future tenant. If the answer is no, we explain the reason and the threshold that would change it.
Related services
Where this connects
Open an account
Your next pension day can be the first clear one.
Most personal applications take about eight minutes. You will get a decision, a routing number for DFAS and a named banker not a waiting list.
River Gem Bank is a California state-chartered bank. Deposits are FDIC insured up to $250,000 per depositor, per ownership category.