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Our Conventional Lending Program is a long-term permanent financing solution for investment or business owner occupied commercial properties. Our conventional loans are from $1,000,000 to $20,000,000 with rates as low as 7.50% and an amortization of up to 25 years with a term of 5, 7 or 10 years. Our conventional program is a great solution for borrowers who fall short of qualifying for a traditional bank or SBA loan as a result of a sub 680 FICO score or a sub 1.25 debt service coverage ratio (DSCR), or other underwriting factors often found with traditional conventional loans.

Maximum Loan Amount

• 1st TD up to $5,000,000

Maturity and Amortization

• 5, 7, 10 Years / Up to 25 Years Amortization

Maximum LTV

• Up to 70%

Eligible Use of Proceeds

• Purchase, Refinance, Cash-Out Refinance of Commercial Real Estate

Eligible Use of Property

• Owner Occupied, Investor, and Multi-Family (5 units and above)

Eligible Property Types

• Multi-Use: Warehouse, Office, Industrial, Medical Office, Flex, Auto Body, Office Condo, Retail, Restaurant, Urgent Care, Surgery Center
• Multi-Family: Apartment Buildings, Garden Apartment Complexes, Multi-unit Buildings of 5 Units or More
• Special Use: Mini Storage, Cold Storage, Auto Repair, Car Dealership, Assisted Living Facility, and Hospitality (on a case by case basis)

Rates / Fees

• 1^st Deed of Trust/Mortgage at Rates as Low as 5.5%
• Loan Fees as Low as 1%

Guarantees

• Full Recourse

Underwriting Requirements

• Minimum 625 FICO
• Minimum 1.00:1 Debt Service Coverage Ratio(DSCR)