Program Overview
Key Features
- Income-based underwriting
- Up to 80% LTV
- Non-recourse options
- 25-year amortization
- Portfolio programs available
- Experienced borrowers
Eligible Property Types
- Office
- Retail
- Warehouse
- Mixed-Use
- Industrial
Business Purpose Only
Business-purpose loans only. Commercial real estate experience required.
Eligibility Requirements
Minimum FICO
Credit score requirement
Maximum LTV
Loan-to-value ratio
Cash Flow Based
No tax returns needed
Program Guidelines
Commercial real estate experience required. Minimum $1M loan amount.
Rates & Terms
| LTV | FICO | Rate | Points | Prepayment |
|---|---|---|---|---|
| 75% | 740+ | 7.750% | 1.00 | 5/4/3/2/1 |
| 80% | 760+ | 8.000% | 1.50 | 5/4/3/2/1 |
Note: Rates shown are starting rates and may vary based on property type, location, and borrower qualifications. Prepayment penalties apply as shown. Business purpose loans only.
Calculate Your Scenario
DSCR Calculator
Enter your property details below
Property Income
Monthly Expenses
Loan Details
Results
Recommendations
- You qualify for our best rates and terms
- Consider higher LTV options up to 80%
Understanding DSCR
≥ 1.25
Strong DSCR. Qualifies for best rates and highest LTV options up to 80%.
1.0 - 1.24
Acceptable DSCR. May qualify with adjusted terms or lower LTV.
0.75 - 0.99
Consider no-ratio DSCR program or property improvements.
Frequently Asked Questions
What types of commercial properties are eligible?
Office buildings, retail centers, warehouses, industrial properties, and mixed-use developments.
Do you offer non-recourse financing?
Yes, non-recourse options available for qualified borrowers with strong credit and experience.