Small Balance

COMMERCIAL LOAN PROGRAM

Commercial Loans for Real Estate Investment

Small Balance Commercial Lending for Income Producing Properties

We specialize in providing small-balance commercial real estate financing for income-producing properties. Our loan programs are designed for quick approvals with less hassle than traditional commercial mortgages.

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Bank Statements

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Streamline No Doc

✓   No Tax Returns

✓   No Bank Statements

✓   No Operating Statements

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GENERAL GUIDELINES

PROGRAM NOTES

Loan Size - $100,000 - $75,000,000

Loan Purpose - Purchase, Cash Out, R/T Refinance

Loan Terms - 30 yr. Fixed, 5/1 ARM

Max LTV - Purchase: 80%    Refinance: 75%

Min FICO - 640

Min DSCR - 1.15

Amortization - 15, 20, 30 Yr.

Prepay Options - 5%,4%,3%,2%,1%

                               5% for 10,7,5, or 3 yrs.

Rate Buydown - .375 = 1 point

Eligible property types:

Multifamily, Mixed-Use, Retail, Office, Light Industrial, Automotive, Mobile Home Park, Warehouse, Self-Storage, Restaurant/Bar, Daycare Center

Borrower: Individual or business entity

No rural properties

Stabilized properties only (75% occupancy with no rehab or deferred maintenance)

Long-term financing only

Eligible states: All (except MI, MT, ND,NV, SD,  WY)