These are commercial Mortgage (CMBS)

SMALL BUSINESS PROGRAM

• Full Doc and Stated Income programs
• Up to 90% LTV for owner-occupied properties, 90% CLTV's
• Loan amounts up to $5MM ($3MM Stated)
• Minimum FICO score: 600 (660 Stated)
• Property types: mixed use, retail, office, warehouse, automotive, light industrial, day care, dry cleaners, vocational schools, convenience stores (no fuel) and more. Call for others.
• Amortization periods: 30 year
• Wide variety of ARM's and Full-Term Fixed rates
• Submission Package needed for Pre-Approval:
  - 1003
  - Tri-Merge credit report
  - rent roll
  - Property Operating Statement (P&L)

PLATINUM LOAN PROGRAMS

• Rates that rival local banks on a national level
• Full Doc and Stated Income programs
• Loan amounts up to $3MM
• Income producing properties only
• Underwritten based on DSCR of property (except in owner user scenarios)
• Minimum FICO score: 600
• Property types: multifamily (5+), mixed-use, retail, office, warehouse, industrial. Call for others.
• All loans based on 30 year amortization period
• Submission Package needed for Pre-Approval:
  - 1003
  - Tri Merge Credit Report (no older than 30 days)
  - 2-yrs Personal and Business Taxes (Full-Doc Only)
  - Most Current Two Years Operating Statements for Subject Property
  - Current Rent Roll for Subject Property
  - Subject Property Leases
  - If Applicable, Articles of Incorporation / Organization
  - If Applicable, Purchase Agreement, All Amendments and Counteroffers   

STANDARD STATED INCOME STATED ASSET PROGRAM (SISA)

• Pure stated programs driven off FICO scores and appraisal
• No verification of income or assets other than proof of funds to close on a purchase
• Up to 85% LTV, 90% CLTV's
• Loan amounts up to $1MM
• Minimum FICO score: 575
• Property types: multi family (5+), mixed use, retail, office, warehouse, automotive, light industrial, bed & breakfast, self storage, bar/restaurant, day care, mobile home park and more. Call for others
• Amortization periods: 15, 20, 25 and 30 year
• Wide variety of ARM's and Full-Term Fixed rates
• Submission Package needed for Pre-Approval:
  - 1003
  - Tri-Merge credit report
  - Current Rent Roll for Subject Property
  - Property Operating Statement (P&L)

STANDARD FULL DOCUMENTATION PROGRAM

• Underwritten based on cash flow from property and/or the strength of the borrower
• Up to 90% LTV, 95% CLTV's
• Loan amounts up to $1.5MM
• Minimum FICO score: 580
• Property types: multi family (5+), mixed use, retail, office, warehouse, light industrial, bed & breakfast, self storage, mobile home park and more. (Call for others)
• Amortization periods: 15, 20 and 30 year
• Adjustable arms and fixed rates
• Submission Package needed for Pre-Approval:
  - 1003
  - Tri Merge Credit Report (no older than 30 days)
  - 2-yrs Personal and Business Taxes
  - Operating Statements for Subject Property
  - Current Rent Roll for Subject Property
  - Subject Property Leases
  - If Applicable, Articles of Incorporation / Organization
  - If Applicable, Purchase Agreement, All Amendments and Counteroffers

Bridge Financing

Land and land development lending

equity partnerships and equity financing

Commercial Rehab

Most of these transactions have limit of 65%.

Credit not an issue in most cases

No Seasoning (funds, employment, existing liens)

Cashout refinance (include inherited properties)