Long-term financing with easy credit qualification.
If your credit is 650 and above. So we have a great program for you. If you have credit issues. We have a loan for you as well. So our special Small Balance Commercial Real Estate loans are designed for investors looking for a low LTV loan. With better terms than hard money financing. Perfect for buy-and-hold investors with derogatory credit issues. And high equity-seeking quick and easy credit qualification. So the Small Commercial Real Estate loans are available in a 3-year or 30-year term.
KEY FEATURES
- Great for borrowers with a recent. Bankruptcy or notice of default.
- No seasoning of ownership required.
- Improved pricing compared to our FlexPerm Permanent program.
- Derogatory mortgage history is OK.
- Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years.
PROPERTY TYPES
- Investor 1-4 (SFR, Condo, and 2-4 Units)
- Multi-Family (5+ Units)
- Mixed-Use
- Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
Mortgage Programs
FLEXIBLE PERMANENT LOANS
Lock in long-term financing with no balloon payment.
Designed for investors seeking a simple financing solution for purchase or refinance. And with the flexibility to remain in Small Balance Commercial Real Estate loans for up to 30 years.
KEY FEATURES
- Great for qualifying W-2. self-employed investors and small business owners.
- Based on the property value and its revenue-generating potential.
- Best alternative to hard money loans.
- Available as a 3-year-fixe. 30-year-fixed loan, each amortized over 30 years.
PROPERTY TYPES
- Investor 1-4 (SFR, Condo, and 2-4 Units)
- Multi-Family (5+ Units)
- Mixed-Use
- Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
QUICK DC (Derogatory Credit) LOANS
A low LTV loan with easy credit requirements.
Our quick DC Small Commercial Real Estate loans are designed for investors. Also with derogatory credit issues and high equity-seeking quick and easy credit qualification.
KEY FEATURES
- Great for borrowers with a recent bankruptcy or notice of default.
- No seasoning of ownership required.
- Improved pricing compared to our Flexible Permanent program.
- Derogatory mortgage history is OK.
- Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years.
PROPERTY TYPES
- Investor 1-4 (SFR, Condo, and 2-4 Units)
- Multi-Family (5+ Units)
- Mixed-Use
- Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
Flexible Permanent Loan Underwriting criteria
- Refi Borrower must own primary residence. (Exceptions can be made with compensating factors.)
- Purchase Investment properties ONLY. NO FIRST-TIME BUYERS.
- 650 Minimum credit score. No score requirement for Foreign Investors.
All refi loans over 50% LTV cannot have:
- Because it more than two 30-day or one 60-day late payment in the past 24 months.
- So a bankruptcy or foreclosure in the last 24 months.
- Must prove 12 months’ mortgage history for the subject property and primary residence. 12 months of canceled checks required on all private mortgages and rental ratings.
All liens paid through closing must be current. Non-monetary default OK.
- No DCR requirement.
- Cash out must be used for BUSINESS PURPOSES.
Visit our homepage and contact us to apply. We need from you is a simple application filled and current tri-merge credit report that you can submit to us.