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COMMERCIAL OWNER-USER LOANS

Private | Institutional | SBA

 
 

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SHORT-TERM BRIDGE LOAN

9.75%

Lender Points: 2%

Term: 1 to 3-Years

Amortization: Interest Only

Loan Size: $300,000 to $100MM+

Max LTV: 75%

Min DSCR: N/A

Min FICO: 500

Eligible Property Types: All

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LONG-TERM PERM / DSCR LOAN

6.25%

Lender Points: 1% - 2%

Term: 5, 7, 10 & 30-Years

Amortization: 25 to 30-Years

Loan Size: $300,000 to $100MM+

Max LTV: 75% CRE | 80% Multifamily

Min DSCR: 1.2x/1.25x

Min FICO: 650

Eligible Property Types: All

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SHORT-TERM REHAB LOAN

9.5%

Lender Points: 2% - 3%

Term: 1 to 2-Years

Amortization: Interest Only

$300,000 to $100MM+

Max ARVLTV: 75% | Max LTC: 85%

Min DSCR: N/A

Min FICO: 650

Eligible Property Types: All

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GROUND-UP CONSTRUCTION

9.625%

Lender Points: 2% - 3%

Term: 1 to 3-Years

Amortization: Interest Only

Loan Size: $300,000 to $100MM+

Max ARVLTV: 65% | Max LTC: 80/85%

Min DSCR: N/A

Min FICO: 650 - 680

Eligible Property Types: All

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SBA 7a LOAN

9.5%

SBA Guarantee Fee: 3% to 3.5%

Term: 25-Years Adjustable

Amortization: 25-Years

Loan Size: $300,000 to $5MM

Max LTV/LTC: 90%

Min DSCR: Varies

Property Types: Commercial & Mixed-Use

Min FICO: 680

Eligible Property Types: Owner-User Only

Owner-operator must occupy 51%+ available space

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FREDDIE MAC SMALL BALANCE

MULTIFAMILY 5+ Units

5.75%

Lender Points: 0% - 1%

Term: 5, 7, 10-Years

Amortization: 30-Years

Partial Interest Only Available

Loan Size: $1,000,000 to $7.5MM+

Max LTV: 80%

Min DSCR: 1.2x

Min FICO: 680

Eligible Property Types: Multifamily 5+ Units

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FANNIE MAE CONVENTIONAL

MULTIFAMILY 5+ Units

5.5%

Lender Points: 0% - 1%

Term: 5, 7, 10 & 30-Years

Amortization: 30-Years

Partial Interest Only Available

Loan Size: $5,000,000 &  Up

Max LTV: 80%

Min DSCR: 1.2x

Min FICO: 680

Eligible Property Types: Multifamily 5+ Units

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CMBS LOAN

5.875%

Lender Points: 0% - 1%

Term: 5, 7, 10 & 30-Years

Amortization: 30-Years

Partial & Full-term Interest Only Available

Loan Size: $2,000,000 &  Up

Max LTV: 75%

Min DSCR: 1.2x

Min FICO: 680

Partial Interest Only Available

Eligible Property Types: All

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Document Requirements

Below are the initial documents needed to evaluate commercial real estate financing for an owner-user where the property owner intends to operate their business from the subject property location. SBA loans go to 90% LTV and the property owner must occupy 51% or more of the available space. Non-SBA loans go to 75% LTV with no owner-user occupancy percentage requirements.

  • Owner Personal Financial Statement
  • Schedule Real Estate Owned
  • Business Profit & Loss Report (Last 2-years)
  • Owner Resume
  • Scope of Work & Budget (If Rehab or Ground-up Construction)
  • 3-Years Personal & Business Tax Returns (SBA & Bank Loans only)