Jeff Bechtold is the Owner and President of American Commercial Lending, Inc., a leading commercial and residential mortgage brokerage firm headquartered in Philadelphia, Pennsylvania, with an additional office at 351 S Cypress St, Pompano Beach, Florida. Founded in 2004 from a loft condo in Philadelphia, Jeff has grown the company into a trusted name in the mortgage industry, offering a wide range of commercial and residential mortgage programs tailored to meet diverse client needs.
Born in Wilmington, Delaware, Jeff moved to Southern Chester County, Pennsylvania, at the age of six. He later graduated from West Chester University, where he showcased his athletic prowess as a member of the university’s basketball team, known for his impressive ability to perform 360 slam dunks. His competitive spirit and determination on the court have translated into his professional drive and success.
Under Jeff’s leadership, American Commercial Lending, Inc. has built strong relationships with banks, wholesale investors, private lenders, funds, life insurance funding sources, and SBA lending institutions across multiple states. His strategic vision and dedication to client success have enabled the firm to support real estate developers and investors in achieving significant growth over the years. Jeff finds great fulfillment in watching his clients’ real estate development and investment companies thrive, a testament to his commitment to fostering long-term partnerships.
With an eye toward expansion, Jeff is currently working to expand American Commercial Lending, Inc. into a direct lender while maintaining its extensive lending relationships to ensure the company’s diverse lending programs remain robust. This initiative will focus on funding loans for both long-standing and new clients, with a particular emphasis on commercial projects. His forward-thinking approach ensures the firm remains at the forefront of the industry, delivering innovative financing solutions.
Jeff resides in Fort Lauderdale, Florida, with his wife, Natalia, and their son, Jordan, a sophomore in college. Outside of his professional endeavors, Jeff enjoys playing golf under the warm Florida sun, indulging his passion for fast cars, traveling, and, above all, dedicating himself to his work and family.

American Commercial Lending, Inc. has many different commercial lending options. In addition to offering loans from agency lenders Freddie Mac and Fannie Mae, we also offer many different bank and portfolio loan programs. While the agency lenders typically have the lowest rates available in the market, many times the borrower would be better off obtaining an apartment building loan from a traditional portfolio lender. Often times, a portfolio product will better serve the needs of the borrower by offering more flexible underwriting and loan terms. Some of the key advantages to a portfolio or bank loan include:

  • Smaller loan sizes (down to a minimum of $200,000)
  • Flexible underwriting
  • Flexible prepayment penalties and some cases no prepayment penalties
  • Programs for properties that require repairs, maintenance, fit outs or updating
  • Stated income and streamlined income programs
  • Borrowers with past credit issues
  • Properties with less than stellar cash flow
  • Mixed-use properties that generate commercial income
  • Student Housing
  • Blanket loans
  • HUD contracts, HAP contracts and Section 8 tenants acceptable
  • Mobile home parks and manufactured housing communities

We have bridge loan financing available for apartment building projects that need to be renovated, updated, may be under market rents, vacant, and that are below standard occupancy rates. The program is perfect for the land lord , investor, or developer that needs time to improve the building or buildings. Rates start at 7% and range from 1-3 years with interest only payments. When completed and improved, we are able to take out the bridge loan with a permanent low rate bank or agency mortgage. Bridge loans are closed much faster then a typical commercial mortgage.

CMBS loans can be another good option for financing apartment buildings. ACL have excellent relationships with CMBS capital. CMBS programs will make individual loans to borrowers which are then packaged and sold to investors as securities. These loans provide interest rate yield to their investors while contributing liquidity to the capital markets. This liquidity in the markets means lower commercial mortgage rates to borrowers. This is a win win for the borrower and for the commercial financing markets.

Our Loan Programs

  • Up to 80% Loan to Value (LTV) for both purchase and refinance loans

  • Non-recourse available – No Personal guarantees

  • 30-year Amortization available (also 15, 20, and 25 year)

  • 5, 7, 10, and 12 year fixed terms

  • Loan amounts from $750,000 – $50,000,000+

Fixed Rate LTV
5yr 3.75%-4.43% 55-80%
7yr 3.76%-4.42% 55-80%
10yr 4.01%-4.65% 55-80%
15yr 4.06%-4.59% 55-80%
30yr 4.39%-4.92% 55-80%

Fixed Rate LTV
5yr 3.60%-4.28% 55-80%
7yr 3.61%-4.27% 55-80%
10yr 3.86%-4.50% 55-80%
15yr 3.91%-4.44% 55-80%
30yr 4.24%-4.77% 55-80%

Fixed Rate LTV
5yr 3.50% 55-80%
7yr 3.75% 55-80%
10yr 3.92% 55-80%

Fixed Rate LTV
5yr 4.00%-4.75% Up to 75%
7yr 4.50%-5.20% Up to 75%
10yr 4.75%-5.45% Up to 75%

Fixed Rate LTV
10yr 4.20%-4.90% Up to 75%

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