Rates
All rates are for fractional Tenancy-In-Common (TIC) loans in San Francisco.
Rates shown are estimates based on our currently available data.
Payment and Closing Cost Estimates
Example for $1,500,000 Purchase Price, 25% Downpayment.
*PITI (Principal, Interest, Taxes, and Insurance) plus an HOA fee.
And much much more:
We already connected with all the TIC lenders so you don't have to spend your time going back and forth choosing a lender.
With TIC SmartRate, you'll have all the information you need to compare and choose a TIC lender:
• Rates & APR
• Banks
• Closing Costs & Fees
• Time to Close
• Loan Formats
• Downpayment Options
• Reserve Requirements
• Lender Contact Information
• Other Fees (legal review)
• Other Requirements (e.g. banking requirements)
• Examples of closing fees (lender statement)
• Examples of actual costs
More features coming soon:
We're compiling everything you need to select a TIC lender and get the home you're searching for at a cost you can afford:
• Estimates for all banks (Monthly cost, closing fees, total cash to close)
• Lender & Realtor reviews/referrals
• Additional Banking Options
• Additional Financing Choices
• Listings
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We'll notify you as rates change and as we add additional features.
Great TICs for Sale
When we find a TICs, we add them here:
Make sure you have all the information you need when you're ready to buy with TIC SmartRate.
Tips and Links to Learn about TICs
Lots has been written about TICs. Some things have changed in the last 5-10 years (factional financing; condo conversion limitations). See some of the best and-still-relevant content below:
TIC basics and great guides from Andy Sirkin - the lawyer who developed the TIC legal structure.
Interesting pros and cons on TICs with great graphs on value vs. condos
Condo conversion FAQ from attorneys G3MH
Condo vs. TIC Prices over time - helpful to understand how your investment will trend with the market (source: realtors K&J)
Make sure you have all the information you need when you're ready to buy with TIC SmartRate.
Get in touch
Selling? Advertise with us.
Pro Signup
For all the information you need to find a TIC lender, sign-up to access our Pro Lender Comparison & Tools:
• Time to Close*
• ARM Formats
• Reserve Requirement
• Lender contacts
• Other Fees (legal review)
• Other Requirements (sterling bank account)
• See examples of closing fees (lender statement)
Thank you!
We're actively updating the site and we'll be in touch.
Rates
| Comparison | Lender A | Lender B | Lender C | Lender D |
|---|---|---|---|---|
| 5-year ARM | 3.0% | 3.1% | 3.25% | 3.0% |
| 7-year ARM | 3.2% | 3.2% | 3.2% | 3.1% |
| 15 year fixed | 3.2% | 3.2% | 3.2% | 3.1% |
| 30 year fixed | 3.2% | 3.2% | 3.2% | 3.1% |
| Origination Fees | $10k | $10k | $25k | $10k |
All rates are for fractional Tenancy-In-Common loans in San Francisco. Rates shown are estimates based on our currently available data.
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