Institutional financing offers the lowest rates available through banks, credit unions, Fannie Mae, Freddie Mac, CMBS, wholesale, and life company lenders. Buildings and/or borrowers that do not conform with institutional loan guidelines have a broad spectrum of loan options to choose from, including alterative long-term FLEX loans for properties that just miss institutional requirements, and short-term 1 to 2-year bridge financing (hard money) loans for properties needing stabilization, rehab, and/or credit challenged borrowers.