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Florida-based Gradient Mortgage Capital, a wholesale mortgage banking platform, launched Monday with the intent to serve mortgage bankers and brokers across the country with debt-service-coverage ratio (DSCR) and small-balance commercial real estate loans.
Gradient is an affiliate of Saluda Grade, an alternative investment firm that specializes in asset-based lending. In a news release, Gradient said it’s “committed to providing fast, flexible, and reliable lending solutions that help clients scale with confidence” across a variety of property types.
“Our mission is rooted in delivering exceptional value through creativity, consistency, and commitment,” Jeremy Irwin, CEO of Gradient Mortgage Capital, said in a statement. “We’re here to support our partners with a deep focus on the customer experience, earning your trust by making every interaction reliable, transparent, and frictionless.
Jeremy Irwin“With Gradient, it’s not just about funding transactions; it’s about building lasting relationships and helping our partners grow.”
According to the company’s website, Gradient’s DSCR program offers loan amounts from $100,000 to $2.5 million. Its underwriting is based on the cash flow of the property, not personal income, and borrowers are not required to provide tax returns, W-2 forms or pay stubs.
Non-owner-occupied single-family homes and multiunit properties with fewer than five dwellings are eligible, as well as short-term rental properties to be listed on sites like Airbnb and Vrbo.
Loan terms of up to 30 years are available, including fixed-rate, adjustable-rate and interest-only options. Banker and broker yield spread premiums are offered too.
The company’s small-balance commercial program includes loan sizes from $250,000 to $5 million, amortization up to 30 years and partial interest-only terms. Gradient will consider many types of income-producing properties, including multifamily, mixed-use, office, retail, warehouses and manufactured housing communities.
“Gradient Mortgage Capital understands that every deal is unique, which is why their loan solutions are designed to help mortgage intermediaries assist entrepreneurial real estate investors at every stage of their journey,” the company explained in its news release.
“Whether their borrower is acquiring their first investment property or refinancing an expanding portfolio, Gradient’s streamlined process and commonsense underwriting provide speed and certainty of close, ensuring borrowers get the financing they need when they need it most.”
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