Wilshire Fund

Loan Programs Overview

At Wilshire Fund, our flexible financing options cater to various property types, including residential and commercial real estate. 

Bridge, Construction Programs

Wilshire Fund offers comprehensive lending solutions nationwide, specializing in bridge and construction programs. See chart below.

Residential Lending

We provide financing for non-owner-occupied single-family rentals and 1-4 unit properties.

Investment Lending

Our services extend to multifamily and mixed-use properties with five or more units.

Commercial Lending

We support various commercial property types, including office, retail, warehouse with house, self-storage, and light industrial.

Please note - Not currently lending on raw land or properties in rural areas.

Loan Details

  • Loan-to-Value (LTV) Up to 80% for purchases and 70% for refinancing.
  • No upfront application fees.
  • Applicants are responsible for all 3rd party underwriting expenses paid directly to the vendor as directed by Wilshire Fund.
  • Rate buy-downs are acceptable in some cases.
New Construction Financing
  • Up to 80% Loan-to-Cost (LTC) and Up to 70% After-Repair Value (ARV).
  • Non-Dutch Interest On Construction (Only Pay As You Draw).

Documentation Requirements

  • Completed 1003, recent credit report, copy of borrower ID, entity documents, and applicable leases.
  • Breakdown of income and operating expenses, if needed.
  • Written use of proceeds for cash-out.
Additional Information
  • Any additional document requests will be provided during the underwriting,
  • Wilshire Fund does not request tax documents or bank statements for this loan program.
  • As-Is Appraisal Required for New Construction.






Term 30 Years 1-3 Years 1 Year 6 - 18 Months
Minimum Loan Amount $200,000 $200,000 $200,000 $250,000
Maximum Loan Amount $5 Million $25 Million $10 Million $20 Million
Rate 6.99% - 10.99% 8.99% - 11.99% 9.99% - 11.99% 9.99% - 11.99%
Property Type SFR, 2-4 Units,
5+ Multi-Family, Office, Retail, Mixed Use Commercial
SFR, 2-4 Units,
5+ Multi-Family, Office, Retail, Mixed Use Commercial
SFR, 2-4 Units,
5+ Multi-Family, Office, Retail, Mixed Use Commercial
SFR, 2-4 Units,
5+ Multi-Family, Townhouses, Condos, PUD
FICO 650 Minimum 650 Minimum 650 Minimum 650 Minimum
Experience Required Required Required Will Work With New Investors Using General Contractor

Lending Nationwide

Wilshire Fund provides lending services in all 50 states, including:

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • 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

Important Information

All rates, programs, and pricing are estimated and subject to change without notice. This rate sheet is intended for use by mortgage professionals only, is not an advertisement under section 226.24 of Regulation Z, and is not intended for use by the public. Wilshire Fund is a direct lender; all loans are subject to review and may be approved or declined at Wilshire Fund's sole discretion.

Get in Touch

Have questions, or are you ready to discuss your financing needs? Contact Wilshire Fund today. Our team is dedicated to providing personalized solutions and exceptional service to help you achieve your real estate investment goals.