conventional
Financing
- 2-3 Years of Tax Returns and All Schedules Required
- Loans on both investment and owner occupied commercial properties held in an Individual’s name or Corporation’s name
- Loans from $500,000-$8,000,000 *
- 80% Max Loan to Value (some restrictions apply)
- Combined Loan to Values of up to 85% (some restrictions apply)
- Rates Starting at 4%
- 650+ Minimum Credit Requirement
- 12 Month Seasoning on Existing Liens
- Minimum 1.25% Debt Service Ratio (DSCR)
- Some Cash Out Restrictions
- Some State Restrictions
Stated
Income
- No Personal Tax Returns Required for Approval
- Investment Property Income Required for Approval
- Loans on both investment and owner occupied commercial properties held in an Individual’s name or Corporation’s name
- Loans from $250,000-$2,000,000 *
- 75% Max Loan to Value (some restrictions apply)
- Combined Loan to Values of up to 85% (some restrictions apply)
- Rates Starting at 8.5%
- 600+ Minimum Credit Requirement
- 12 Month Seasoning on Existing Liens
- Some Cash Out Restrictions
- Some State Restrictions
Bridge, Hard Money & Land
- Most Income Documention Required
- Loans on both investment and owner occupied commercial properties held in an Individual’s name or Corporation’s name
- Any Loan Size
- 60% Max Loan to Value (some restrictions apply)
- Rates between 11.99-14.99%
- No Minimum Credit Requirement
- No Seasoning Requirements on Existing Liens
- Some Cash Out Restrictions
- No State Restrictions
- 1-3 Year Balloons
Property types include:
- Mixed-Use
- Multi-Family
- Office
- Retail
- Warehouse
- Light Industrial
- Self-Storage
- Automotive
- Restaurant/Bar
- and more.
Property types include:
- Mixed-Use
- Multi-Family
- Office
- Retail
- Warehouse
- Light Industrial
- Self-Storage
- Automotive
- Restaurant/Bar
- and more.
All Property Types Considered
- Mixed-Use
- Multi-Family
- Office
- Retail
- Warehouse
- Light Industrial
- Self-Storage
- Automotive
- Restaurant/Bar
- and more.
The Conventional Financing Programs are for A credit borrowers that can provide at least 2-3 years of stabilized financials and full tax returns.
* Loan amounts below $500,000 are available on a loan to loan basis.
The Stated Income Program is for the borrowers with lower credit scores, show little to no taxable income. Borrowers with tax liens, judgments, and Bankruptcies within 1 year are eligible for this program.
* Loan amounts below $250,000 are available on a loan to loan basis.
The Bridge, Hard Money, and Land Programs are asset-based loans, through which the funds received are based solely on the value of the real estate.
Borrowers with tax liens, judgments, had a previous bankruptcy, currently in bankruptcy, or currently in foreclosure are eligible for this program.