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Commercial Real Estate Financing
Stated Income & Stated Asset Loans
- Owner occupied or investor properties
- Credit scores 600 and above
- CLTV as high as 90%
- Lend in most states
- Can close in your LLC or Trust
- No seasoning required
- Terms of 1 year, 5 year, 7 years and 10 years
- Amortization of 15 year, 20 year, 25 year or 30 year
- Loans amounts from $100,000 - $2,000,000
- Most closing within 60 days
Full Doc Loans
Small Balance Commercial Loans
From $250,000 - $5,000,000
- High LTVs and residential-style underwriting
- No minimum Debt Service Coverage Ratio
- Owner occupied or investor properties
- Purchase, cash-out or refinance
Loan Type: 6 Month Adjustable; 2, 3, & 7-Year Hybrids: and Declining Fixed Rate
Property Type |
Term / AM |
MaX LTV |
Max LTV
w/seller
Second |
Credit
Grade* |
Tier I:
Multifamily, Mixed-Use (primary purpose residential) |
15/15, 20,30, 30/30 |
90% |
95% |
A |
| 85% |
90% |
A- |
| 70% |
85% |
B |
Tier II:
Mixed-Use (primary purpose commercial), Office, Retail, Warehouse, Light Industrial, Mobile Home Park, Bed & Breakfast, Self Storage |
15/15, 20,30, 30/30 |
90% |
90% |
A |
| 85% |
90% |
A- |
| 70% |
85% |
B |
Tier III:
Industrial, Automotive, Funeral Home, Rooming House, Flagged Hospitality |
15/15, 20,30, 30/30 |
80% |
90% |
A |
| 75% |
85% |
A- |
| 70% |
80% |
B |
Tier IV:
Health Care, Day Care, RV Park, Un flagged Hospitality, Restaurant, Special Purpose |
15/15, 20,30, 30/30 |
75% |
85% |
A |
| 70% |
80% |
A- |
| 65% |
75% |
B |
* Multiple factors (such as income, assets, cash flow) are considered in determining a final credit tiering.
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Financing for Income Producing Properties
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- Offices (Multi-Tenant, SIngle Tenant, Warehouse)
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- Rehabilitation Facilities
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- Independent Living Facilities
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- Resort & Marina Financing
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- Medical Clinics / Medical Offices
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- Retail (Anchored, Single Tenant, Unanchored)
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- Single Family, Skilled Nursing Facility
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