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The Types Of Commercial Real Estate Loans We Offer
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Full Doc Commercial Mortgage Options
-Property Type - Most Types
-Funding Amount - $100,000 to $75 Million
-Credit Score - 650+
-Loan to Value - Up to 80%
-Rent Coverage Ratio - 1.25x
-Loan Terms - 3 Years to 25 Years
-Interest Rates - Starting at 7.50%*
-Rehab Financing - Not Applicable
-Who Qualifies - US Citizens, Foreign National, Permanant Resident Alien
-Proceed Usage - Purchase, Refinance, Unrestricted Cash-Out
-Prepayment Penalty - Multiple Options
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Lite Doc Commercial Mortgage Options
-Property Type - Most Types
-Funding Amount - $100,000 to $10 Million
-Credit Score - 650+
-Loan to Value - Up to 80%
-Rent Coverage Ratio - 1.20x
-Loan Terms - 5 Years to 30 Years
-Interest Rates - Starting at 7.50%*
-Rehab Financing - Not Applicable
-Who Qualifies - US Citizens, Foreign National, Permanant Resident Alien
-Proceed Usage - Purchase, Refinance, Unrestricted Cash-Out
-Prepayment Penalty - Multiple Options
Multi-Family and Mixed-Use Bridge/Rehab Loan Options
-Property Type - Multi-Family (5+), Mixed Used
-Funding Amount - $250,000 to $10 Million
-Credit Score - 650+ (lower is case-by-case)
-Loan to Value - Up to 75%
-Rehab Financing - 100%
-Rent Coverage Ratio - 1.1x
-Loan Terms - 12 Months to 36 Months
-Interest Rates - Starting at 10.50%*
-Rehab Financing - Not Applicable
-Who Qualifies - US Citizens, Foreign National, Permanant Resident Alien
-Proceed Usage - Purchase, Refinance, Cash-Out
-Prepayment Penalty - None
Residential Fix & Flip Bridge
Loan Options
-Property Type - Residential (1-4 units), Condominium, Townhomes
-Funding Amount - $75,000 to $5 Million
-Credit Score - 620+ (lower is case-by-case)
-Loan to Value - Up to 90%
-Rehab Financing - 100%
-Rent Coverage Ratio - N/A
-Loan Terms - 12 Months to 36 Months
-Interest Rates - Starting at 9.50%*
-Rehab Financing - Not Applicable
-Who Qualifies - US Citizens, Foreign National, Permanant Resident Alien
-Proceed Usage - Purchase, Refinance, Renovation, Cash-Out
-Prepayment Penalty - None
Residential DSCR (No Income Doc) Loan Options
While DSCR loans are more forgiving of low credit scores than traditional loans, many DSCR borrowers have strong credit and simply prefer the ease and flexibility of this type of loan to scale their business.
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-Property Type - SFR, Residential (1-4 units), Condominium, Townhomes
-Funding Amount - $75,000 to $3 Million
-Credit Score - 660+
-Loan to Value - Up to 80%
-Rent Coverage Ratio - 0.8
-Loan Terms - 5/30, 7/30, 10/30, Fixed 30/30, Interest Only Option Available
-Interest Rates - Starting at 6.50%*
-Rehab Financing - Not Available
-Who Qualifies - US Citizens, Foreign National, Permanant Resident Alien
-Proceed Usage - Purchase, Refinance, Cash-Out
-Prepayment Penalty - None, 5, 4, 3, 2, 1
Residential DSCR (No Income Doc) Portfolio Loan Options
Many DSCR loans go toward stable, high-performing rental properties. DSCR loans also simplify applications by skipping the income verification steps.
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-Property Type - SFR, Residential (1-4 units), Condominium, Townhomes
-Funding Amount - $250,000 to $50 Million
-Credit Score - 660+
-Loan to Value - Up to 80%
-Rent Coverage Ratio - 1.0
-Loan Terms - 5/30, Fixed 30/30
-Interest Rates - Starting at 6.50%*
-Rehab Financing - Not Available
-Who Qualifies - US Citizens, Foreign National, Permanant Resident Alien
-Proceed Usage - Purchase, Refinance, Cash-Out
-Prepayment Penalty - 5, 4, 3, 2, 1