Real Estate is complicated and you need multiple lenders depending on the scenario. You can do hard money SRF O/O if the funds are used for business. NOO (Non Owner Occupied) also as well as 1 - 4 units. Then there is rehab who can do up to 100% at cost. And commercial has options - hard money, traditional, SBA backed, It is just not as simple as Real Estate Lending.

Full Doc / Bank Statement 650 Credit required
Loan Amounts $ 100,000 to $ 2,500,000
Fixed Term and Amortization to 30 years
Fixed Rates from 4.875% to 9.75%
Up to 75% LTV on Refinances and 80% on purchases
Most commercial property types

Full Doc 620 Credit required
Loan Amounts $ 200,000 to $ 10,000,000
Up to 75% LTV
Amortization 25 or 30 years
Term: 5,7 & 10
Fixed Rates from 4% to 6%
Recourse: Full and partial

Property Types: Multi-Family, Mixed Use, Office, Retail, Light Industrial/Warehouse, Self-Storage, Commercial Condo, Mobile Home Parks, Investment Residential (1-8 Units), Short Term Rentals, Automotive, Restaurants (including quick service), Parking Lots/Garages

No Doc 620 Credit required
Loan Amounts $ 100,000 to $ 2,500,000
Fixed Term and Amortization to 30 years

Fixed Rates from 7.75% % to 10.75%
Up to 75% LTV
Most commercial property types

Non-Prime - more flexible lite income doc
Loan Amounts $ 100,000 to $ 1,500,000
Fixed term and amortization to 25 years
Fixed rates from 7.99
Up to 70% LTV
Most commercial property types

Bridge - Hard Money
Loan Amounts from $ 100K to $ 10M
Interest only terms 1 to 3 years
Rates 7.99% to 10.99%
70% of As-Is Value and 75% ARV
Most Commercial property types

Rehab and land separate.