We focus on bridge loan/private loans/ asset based lending on general purpose commercial properties: Office, retail, light industrial, mixed use, multifamily, and Marijuana properties (Colorado only). No appraisals or upfront fees required saving the borrowers thousands. See why Fairview is the leader in commercial hard money loans. closings.Income Property Lending Just as with a refinance of a primary residence, your credit score (most of the time, you will need 660 or higher to obtain a conventional refi, and above 760 to get the best rates), debt-to-income ratio (the amount of debt you have relative to your income) and income matter to getting a refinance on an investment property.