Real Estate Finance
We specialize in providing tailored commercial loan solutions designed to help secure the best financing for the clients. Our flexible credit guidelines and diverse lending programs ensure that we can accommodate a wide range of investment and business needs
Key Highlights of Our Lending Guidelines:
Loan Sizes – Target loan amounts ranging from $300,000 to $50 million, with customized
financing solutions for businesses of all sizes.
Loan Terms & Amortization – Competitive terms up to 10 years and amortization up to 25 years.
For select asset classes, such as newly constructed properties, we offer extended amortization options.
Loan-to-Value (LTV) Ratios –
- SBA 504 Loans – Financing up to 90% for commercial real estate and equipment purchases, combining bank loans with SBA-backed second mortgages for lower down payments and longer terms.
- Multifamily & Apartments – Up to 80% of appraised value or cost.
- New Construction – Up to 85% of allowable costs, ensuring feasibility based on Net Operating Income (NOI).
- Commercial & Specialty Properties – LTVs vary from 70% to 80%, depending on the asset class and risk profile.
Lien Position – First lien preferred, second lien considered when the bank holds the first lien and underwriting factors meet guidelines.
Cash Flow Coverage (DSCR) – Minimum 1.20x – 1.30x, with some flexibility for lower coverage if other compensating factors exist. Flexible & Competitive Interest Rates – - Fixed & Floating Rate Options Available
- Competitive pricing, WSJ Prime +/-
- Structured financing with rate adjustments tailored to borrower risk profile and asset class
Loan Programs & Asset Classes
Multifamily & Apartment Loans – Financing for stabilized and newly built apartment buildings, with LTVs up to 75% and terms designed for long-term investments.
Owner-Occupied Business & Commercial Real Estate Loans – Ideal for business owners looking to acquire, refinance, or expand their facilities, with high LTVs and favorable repayment terms.
Commercial Construction Loans – Up to 80% of cost, covering office buildings, retail centers,
and mixed-use developments.