A commenter recommends U.S.

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  "detected_at": "2026-09-30T21:00:13+00:00",
  "company": {
    "name": "U.S. Bank",
    "domain": "usbank.com"
  },
  "data": {
    "nsfw": false,
    "stage": "none",
    "awards": 0,
    "timing": "completed",
    "topics": [
      "commercial real estate",
      "financing",
      "lending"
    ],
    "post_id": "1wugo9j",
    "summary": "A commenter recommends U.S. Bank as a commercial real estate lender, noting that in 2025 they had the best rates on loans with zero closing costs.",
    "category": "pricing",
    "comments": [
      {
        "url": "https://www.reddit.com/r/CommercialRealEstate/comments/1wugo9j/comment/pd361os/",
        "depth": 0,
        "score": 5,
        "author": "salBossio-",
        "excerpt": "For an 11-unit, shop the whole structure, not just the coupon. Compare LTV/proceeds, full recourse vs not, the prepay (stepdown vs open with a rate add), and how they treat the vacant unit in NOI. A no-fee ~55% LTV credit-union quote can look clean until you stack rate + recourse against a bank or debt-fund option that goes higher leverage or non-recourse. Get each shop the same NOI assumptions an",
        "posted_at": "2026-09-30T21:28:28.000Z",
        "author_url": "https://www.reddit.com/user/salBossio-/"
      },
      {
        "url": "https://www.reddit.com/r/CommercialRealEstate/comments/1wugo9j/comment/pd416w6/",
        "depth": 0,
        "score": 3,
        "author": "Ancient-Outcome-1000",
        "excerpt": "Check USBank if you havent already. In 2025 when I researched they had the best rates on 0 closing cost. There is a prepayment penalty if you close before 5 yrs but for the rate I got, I didnt mind. dont recall exact rate though but was high 4s or 5 I think.",
        "posted_at": "2026-10-01T00:10:27.000Z",
        "author_url": "https://www.reddit.com/user/Ancient-Outcome-1000/"
      },
      {
        "url": "https://www.reddit.com/r/CommercialRealEstate/comments/1wugo9j/comment/pd32fnj/",
        "depth": 0,
        "score": 3,
        "author": "SpecialistOk9782",
        "excerpt": "There are better deals out there. If I had time to work on this, I would probably expect it to come back somewhere in the following range: $1.45M–$1.55M in proceeds, approximately 60%–65% LTV, 30-year amortization, and potentially a rate in the mid-6% range, depending on the actual NOI, occupancy, borrower strength and how the vacant unit is treated.\nThe 6.79% rate you’ve been quoted isn’t terribl",
        "posted_at": "2026-09-30T21:12:24.000Z",
        "author_url": "https://www.reddit.com/user/SpecialistOk9782/"
      },
      {
        "url": "https://www.reddit.com/r/CommercialRealEstate/comments/1wugo9j/comment/pdc4uy9/",
        "depth": 0,
        "score": 2,
        "author": "Direct-Classroom-969",
        "excerpt": "The bigger question for me is actually the acquisition, not the rate: at $218,182/unit and a 6.4% cap, I'd want to see the rent roll and T-12 before deciding whether I'd put $1.1M of cash into this deal. If you give me those numbers, I can tell you what I would pay, the optimal loan amount, cash-on-cash return, DSCR, and 5-year equity return.",
        "posted_at": "2026-10-02T02:45:19.000Z",
        "author_url": "https://www.reddit.com/user/Direct-Classroom-969/"
      },
      {
        "url": "https://www.reddit.com/r/CommercialRealEstate/comments/1wugo9j/comment/pd4bp67/",
        "depth": 0,
        "score": 2,
        "author": "Time-Carpenter4122",
        "excerpt": "So the 10 yr at 7",
        "posted_at": "2026-10-01T01:06:52.000Z",
        "author_url": "https://www.reddit.com/user/Time-Carpenter4122/"
      },
      {
        "url": "https://www.reddit.com/r/CommercialRealEstate/comments/1wugo9j/comment/pd3wwbw/",
        "depth": 0,
        "score": 2,
        "author": "sol-searching",
        "excerpt": "I closed a loan with them two months ago at 6.35, including a buy-down of the prepayment to no prepay. That added 35 basis points to the rate for this feature. They are a good lender and they are treasury-based. You may find a lender that has balance sheet pricing off internal rates at 6.50%. I would check with US Bank and Chase, but generally speaking, these terms are solid and the lender is good",
        "posted_at": "2026-09-30T23:46:49.000Z",
        "author_url": "https://www.reddit.com/user/sol-searching/"
      },
      {
        "url": "https://www.reddit.com/r/CommercialRealEstate/comments/1wugo9j/comment/pdpt4y0/",
        "depth": 0,
        "score": 1,
        "author": "No-Task102",
        "excerpt": "Is the 6.4% cap based on trailing income or a stabilized projection with the vacant unit leased? Also, did Golden1 explain whether the $1.3m limit comes from its leverage policy or its underwritten NOI/debt coverage? Those seem like the two missing pieces here. What hold period are you targeting, and what are the actual year-by-year prepayment penalties on the term you're considering?",
        "posted_at": "2026-10-04T00:36:35.000Z",
        "author_url": "https://www.reddit.com/user/No-Task102/"
      },
      {
        "url": "https://www.reddit.com/r/CommercialRealEstate/comments/1wugo9j/comment/pd8wj5h/",
        "depth": 0,
        "score": 1,
        "author": "028035",
        "excerpt": "The rate itself looks fair for where multifamily pricing is right now, especially with no loan fee attached, that's worth more than it seems since a lot of lenders quote something similar but tack on a point or more. What stands out more than the rate is the 55% LTV, that's conservative for an 11 unit deal, most multifamily lenders go 65 to 75% on something stabilized. My guess is they're pricing",
        "posted_at": "2026-10-01T17:29:42.000Z",
        "author_url": "https://www.reddit.com/user/028035/"
      }
    ],
    "evidence": [
      "[comment u/Ancient-Outcome-1000] Check USBank if you havent already. In 2025 when I researched they had the best rates on 0 closing cost.",
      "[comment u/sol-searching] I would check with US Bank and Chase, but generally speaking, these terms are solid and the lender is good"
    ],
    "virality": "low",
    "post_date": "2026-09-30T21:00:13.000Z",
    "post_kind": "text",
    "post_text": "Hello, Everyone recently i got a quote from Golden1 about jumbo loan for a 11 units property with 6.4 Cap for 2.4mils, Here is what i got, is this good or should i shop around more\n\n\"Based on the financial details including the assumed vacant unit remaining through closing, I’m penciling $1,300,000 in loan proceeds. This is based on a maximum 55% LTV/LTPP, 30-year amortization, no loan fee, and recourse. Third-party costs are estimated at $7,500 including appraisal, title, escrow, etc. Current multifamily pricing at the 55% leverage is 3-year 6.79%, 5-year 6.89%, 7-year 6.99%, and 10-year 7.09%, all fixed during the term with a stepdown prepayment structure. An open prepayment is available with a rate add and loan fee.\"",
    "sentiment": "positive",
    "subreddit": "CommercialRealEstate",
    "event_date": "2025",
    "post_flair": [
      "Financing | Debt"
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    "post_title": "Would you take this loan or should i shop around more",
    "prominence": "aside",
    "source_url": "https://www.reddit.com/r/CommercialRealEstate/comments/1wugo9j/would_you_take_this_loan_or_should_i_shop_around/",
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    "post_author": "Puzzleheaded-Log2264",
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    "subreddit_url": "https://www.reddit.com/r/CommercialRealEstate/",
    "total_upvotes": 1,
    "comments_total": 16,
    "total_comments": 16,
    "event_date_text": "In 2025",
    "other_companies": [
      {
        "name": "Golden 1 Credit Union",
        "role": "alternative",
        "domain": "golden1.com"
      },
      {
        "name": "Chase",
        "role": "alternative",
        "domain": "chase.com"
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curl https://signals.autobound.ai/v1/signals/bbf8c45a-4dd4-50fe-af48-de98ed10f6ad \
  -H "X-API-KEY: $AUTOBOUND_API_KEY"

curl -X POST https://signals.autobound.ai/v1/companies/enrich \
  -H "X-API-KEY: $AUTOBOUND_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"domain":"usbank.com","limit":20}'