Commercial lending programs specializing in first mortgage financing for most types of commercial property.
includes Purchase, Rate/Term Refinancing and Cash-Out Transactions,

Full suite of programs and products provides financing options for traditional borrowers, as well as, non- traditional borrowers with low or no credit scores, foreign nationals and resident aliens.

After Repair Value Loan Package requirements:                                                           ncr series
Collateral: Non-Owner Occupied 1-4 Family Real Estate; Condos; Town homes: 5+ Unit Apartments; Mixed-Use Properties
Loan Amount:
$50k – $2M for 1-4 Family, Condos, & Townhomes
$250k – $3M for Multi-Family (5+)/Mixed-Use

Term: 12 months (6-Month Extension Available)
LTV:
Purchase: Up to 90% of Purchase Price + 100% of Renovation Costs; Not to Exceed 75% of the ARV
Refinance: Up to 75% As-Is + 100% of Renovation Costs; Not to Exceed 70% of the ARV
Cash-Out: Up to 67.5% As-Is + 100% of Renovation Costs; Not to Exceed 62.5% of the ARV
Rates: Starting at 7.74%
Credit Score: 650 min


Buy-To-Rent Bridge Loan Package requirements:
Collateral: Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes: 5+ Unit Apartments; Mixed-Use Properties
Term: 24 Months (12-Month Extension Available)
Loan Amount:
$50k – $2M for 1-4 Family, Condos, & Townhomes
$250k – $3M for Multi-Family (5+)/Mixed-Use
LTVs:
Purchase: The lesser of Up to 75% of the As-Is Value or Up to 75% Loan-to-Cost
Refinance: Up to 70% of the As-Is Value
Cash-Out: Up to 60% of the As-Is Value
Rates: Starting at 8.49%
FICO: 650 Minimum

Long-Term Rental Loan requirements:
Collateral: Non-owner Occupied 1-4 Family Residential Properties; Condos; Town homes
Term: 30 Years
Amortization Options: 30-Year Fixed; Hybrid ARMS (5/1, 7/1, 10/1); 10-Year Interest-Only
Loan Amount: $50k-$2M
LTV:
Purchase: Up to 80% of purchase price (720+ score)
Refinance: Up to 80% of the As Is Value (720+ score)
Cash-Out: Up to 75% of the As Is Value (720+ score)
Rate: Starting at 4.50%
Credit Score: 650 minimum
Prepayment Penalty: 0-5 years, shorter prepay periods will have higher rates
Minimum DSCR of 1.10

Long term Rental for Multi-family properties:
5-20 unit buildings, no mixed use properties
Hybrid ARMS 5/1, 7/1, 10/1 and interest only options available
Loan Amount: $250,000-$2M
LTV:
Purchase: Up to 75% of purchase price (700+ score)
Refinance: Up to 75% of the As Is Value (700+ score)
Cash-Out: Up to 70% of the As Is Value (700+ score)
Rate: As low as 4.50%
Credit score: 680 Minimum
Prepayment penalty: 3 or 5 year step down prepayment (3/2/1 or 5/4/3/2/1)
Minimum DSCR: 1.20

Investor-owned Commercial Real Estate
  • Mixed-Use properties
  • Account Receivable Financing
  • Apartment Buildings (3++units)
  • Apartment House Financing
  • Boarding/Rooming Houses
  • Church Financing
  • Convenience Stores
  • Gas Stations
  • Industrial Buildings and Warehouses
  • Industrial Condominiums
  • Marinas
  • Medical Equipment financing
  • Mobile Home Parks and Trailer Parks
  • Owner operated/occupied properties
  • Storage Facilities
  • Special Use Properties

Cell contact: 603-490-6494

One of the fallout's of the COVID-19 pandemic is the impact on the availability of debt capital for real estate transactions. We remain operational and continue to work diligently to actively deploy reliable, flexible, loan capital.








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