Conduit Loan Program

M&T Realty Capital Corporation® is an active originator of conduit loans. These loans are available for commercial income-producing properties—office, industrial, retail, self-storage, and hotel—as well as for multifamily properties. When we arrange the conduit financing, we also act as a borrower-advocate for any issues that may arise post-closing.

Conduit loans, originated for sale and securitization, typically include the following features:

  • Up to 75% LTV on most property types (up to 85-90% with mezzanine financing)
  • Minimum Debt Service Coverage (DSCR) of 1.25x
  • Typically 10-year fixed-rate loan terms (5- and 7-year term balloon loans also available)
  • Typically 25- to 30-year amortization schedules (interest-only options may be available)
  • Single-purpose entity borrowers
  • Non-recourse provisions

For specific loan information on this program, please call us at 610-341-1855.

All loans and all terms referenced herein are subject to receipt of a completed application, credit approval and other conditions.

Return to the loan program overview page.

M&T RCC Facts

  • In 2019, we originated $5.2 billion in loans, and currently service a loan portfolio of $20 billion.
  • We are a Top Ten FHA lender, and can provide financing for healthcare facilities or multifamily properties.
  • We are a Top Five Fannie Mae Seniors Housing lender, and also provide financing for seniors housing via Freddie Mac, FHA, and life company loan programs.
  • We are one of only 19 lenders that hold licenses with all three agencies (Fannie Mae, Freddie Mac and FHA).