Why Your TIC Loan Could Cost You More Money

October 12, 2026

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David Ghazaryan

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TL;DR

TIC financing requires specialized 'fractional loans', not standard mortgages available from most national banks.
Lenders in San Francisco and Oakland have specific underwriting criteria for these unique ownership structures.
Understanding the TIC agreement, co-owner responsibilities, and loan risks is critical before buying property.
Specialized loans often carry rates close to one percent higher than standard options.
Strategic structuring allows for future conversion to traditional condo financing.

Read the full blog article here: https://www.iqratemortgages.com/blog/guide-to-financing-a-tic-purchase-in-california

Video Transcript:

People think they buy their unit, but they really don't. This process requires structure. I, David Ghazaryan, build that system. These loans cost more, maybe close to one percent higher. Later, we can change it to a normal condo loan. New loans are safe. If your neighbor fails, you won't. This analysis continues online. See all links in the description.

Read Blog Here: https://www.iqratemortgages.com/blog/guide-to-financing-a-tic-purchase-in-california

David Ghazaryan

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