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  • Loan Amounts:  $100,000 to $1,000,000 

  • Property types:  

    • Multi-Family, Mixed-Use, Retail, Office, Auto Repair, Day Care, Restaurants, Funeral Homes, Beauty Shops, Motels/Hotels, Warehouse, Mobile Home Parks, Campgrounds, Churches, Self-Storage, Dry Cleaner (Drop off only), Recreational properties

  • Ineligible Properties:

    • Raw land, construction, or gas stations

  • LTV: Maximum LTV is 70%. 

  • Credit Scores: 600 Minimum FICO Scores.  Scores below 600 require an exception.

  • Closings: Three to four weeks

  • Rates:  Rates ranging from 8.00% to 14%. 

  • Points: 3 to 5 

  • Fees:  Minimal application fee which will be applied to Points if loan is secured.  Borrower pays for appraisal.

  • Prepay:  Typically Declining 5%-4%-3%-2%-1% Prepay Penalty

  • States:  42 states except for Alaska, Alabama, Hawaii, Michigan, Nevada, North Dakota, Vermont and West Virginia.


  1. Corporate organizing documents

  2. Identification and personal documentation

  3. 1003 Loan Application (click here to download)

  4. Credit Report with scores and trade lines

  5. Summary of the deal/use of proceeds

  6. Digital pictures of the property (if available)

  7. Rent Roll (if applicable)

  8. Income and Expense Statement on the subject property (if applicable)

  9. 2 year business and personal financials for loans of 500k+

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