| Multi-family (5+ units) and Mobile Home Parks (less than 25% park owned homes) |
| MF 30 | This is our small balance long term rates program. With low fees and fixed periods up to 30 years, this is a great program for the "Buy and Hold" borrower. |
| MF 85 | This is our combo second for our MF 101 program. It allows for up to an 85% LTV for Multi-family (5+ units) properties, though it is capped at 10% of the appraised value with a minimum loan amount of $100,000 and a maximum amount of $400,000. |
| MF 101 | Our EZ-Qual Portfolio Style program is perfect for the borrower who has never purchased a commercial property before. The program is highlighted by its minimum 10% borrower equity injection provision, which makes it much easier to qualify people for this loan. Fixed periods of 5, 7, 10, and 15 years are available. |
| MF 102 | This low fee conduit style program fits the needs of the investor who needs the lowest rates available without all the hassles of a True Conduit program. This program does not require replacement reserves, defeasance, or a bullet maturity. It offers a 10 year fixed period, with an option to have the first three years I/O. |
| MF 103 | This portfolio style buy down program offers some of the lowest rates available. It is for nicer quality properties, with strong borrowers. Fixed periods of 5, 7, or 10 years with bullet maturities. |
| MF 104 | Our interest only program is aggressive because the I/O periods mirrors the fixed period. 3 and 5 year fixed periods are available at rates not that much higher than our fully amortizing programs. |
| MF 105 | Our "Scratch and Dent" program was designed for lower credit scores and a little bit more run down properties. Fixed periods of 3 and 5 years are available. A unique aspect of our 5 year program is that when it adjusts it locks in the new rate for another five years. |
| MF NEG | Our negative cash flow program is available in select markets where appreciation has outpaced rents. Strong borrower sponsorship is required. The program only allows for a maximum of 15 units, and is available as either a 3 or 5 year fixed rate. |
| MF NR | Our non-recourse "Cadillac" program offers some of the greatest flexibility. With fixed periods up to 30 years, low rates, and supplemental financing available after the fact to cash out built up equity, this program is great for the sophisticated investor. |
| Owner Occupied Office - Retail - Light Industrial - Self Storage - Mixed-use - Mobile Home Parks - Special Use - Hotel/Motel |
| OO 101 | Our Bank Buster program has rates that simply cannot be matched by the banks. Fixed periods from 6 months to 15 years are available. The minimum loan amount is $800,000 and it is available in MSA's or areas with a population over 60,000. The owner must occupy at least 25% of the property. |
| OO 102 | Our "Be the Bank" program offers you the most flexibility when it comes to property types and pricing of your loans. A minimum 10% borrower equity injection is required. Fixed periods of up to 10 years are available. |
| OO SBA504 | Our SBA504 program is used in conjunction with our OO 102 program to finance up to a 90% LTV when the owner will occupy at least 51% of the property. It features a 20 year fully amortizing fixed period. |
| Tenant Occupied Office - Retail - Light Industrial - Self Storage - Mixed-use - Mobile Home Parks - Special Use - Hotel/Motel |
| T 101 | Our Tenant occupied Bank Blaster program has rates that simply cannot be matched by the banks. Fixed periods from 6 months to 15 years are available. The minimum loan amount is $800,000 and it is only available in major metropolitan areas. |
| T 102 | This low fee conduit style program fits the needs of the investor who needs the lowest rates available without all the hassles of a True Conduit program. This program does not require replacement reserves, defeasance, or a bullet maturity. It offers a 10 year fixed period and a 30 year amortization. It is only available in major metropolitan areas. |
| T 103 | Our Non-recourse "Rolls Royce" program has the most competitive rates available. It is for experienced borrowers purchasing very nice properties. It is only available in major metropolitan areas. |
| T 104 | Our "Damaged Goods" program is for low credit or lower quality properties. The program is priced to risk, so please call for a quote. |
| T 105 | Our "Be the Bank" program offers you the most flexibility when it comes to property types and pricing of your loans. A minimum 10% borrower equity injection is required. Fixed periods of up to 10 years are available. |
| Alt-A | Our Alt-A program allows for stated income borrowers and higher LTV properties. Please contact us for details and pricing of this program. |
