Commercial Real Estate

Plain and simple — there are more small-balance commercial loan opportunities than there are large-balance ones. Across the United States there are many times more properties that fit small-balance lending than large-balance. Also, the owners of small-balance properties tend to get overlooked by the banks and other lenders who like to go elephant hunting for the “big” loans.

A small-balance commercial loan considers three factors: 

  • The property quality and location
  • The property’s history and ability to generate cash flow
  • The borrowers’ financial strength and experience                                                                                                                                                                                                 Types of Properties:
  • Multifamily
  • Retail
  • Office
  • Industrial
  • Mobile Home Park
  • Self Storage
  • Single Family Residential Pools (5+ units) 
  • Gas Stations
  • Large Commercial Properties
  • Other: ask us you never know

Loan amounts from $75K to $5M
• Rates starting in low 6’s
• No tax return or bank statement programs available
• LTV’s up to 80%
• Credit Score 650+
• Fully amortizing terms up to 30 years 

 Core Program 

Our core belief that property owners and investors are undeserved by narrow and inflexible banking guidelines. We designed this program specifically to address this issue. We understand that every loan has a unique story and we’re ready to listen to the needs and issues of every borrower. 

Loan Amount  $200,000 – $5,000,000 
Loan Purpose  Purchase, Refinance, Cash Out 
Property Types  Multifamily, Light Industrial, Mixed-Use,
Office, Retail, Self-Storage,
Mobile Home Parks, Single Family Pools 
Loan to Value  Up to 80% 
FICO  Greater than 500 
Occupancy  Investor and O/O (No O/O for SFR Pools) 
Terms  Up to 30 Years (5, 7, 10 Year Hybrid) 
Amortization  30 Year 
Income Documentation  Full, Lite, and No Income Documentation 
Location  Nationwide (Except AK, ND, SD) 

 

1-4 Unit Rental Property Program 

We know investors aren’t only investing in commercial properties. With this in mind, we offer our one- to four-unit loan rental program to help investors grow their single property investment portfolio or refinance their existing loans. 

Loan Amount  $75,000 – $2,000,000 
Loan Purpose  Purchase, Refinance, Cash Out 
Property Types  1, 2, 3, or 4-unit rental properties 
Loan to Value  Up to 80% 
FICO  Greater than 500 
Occupancy  Investor only (No O/O for SFR Pools) 
Terms  3 Year Hybrid 
Amortization  30 Year 
Income Documentation  Full, Lite, and No Income Documentation 
Location  All states except - AK, AZ, DE, ID,
MI, MN, ND, NV, OR, SD, UT, VT 

Fueling Business Dreams since 1996