Product Highlights

Products	Commercial Real Estate	Multifamily Homes	Construction Loans
Property Types	Office Buildings, Industrial, Warehouses, Retail, Hotels, Special use	Apartments, Mobile Home Parks	Commercial, Multifamily and SFR
Loan Size	Minimum$ 500,000 to $3,000,000	Up to $6,000,000, or higher on case by case basis	Minimum loan amount $300,000
Program Types	Fixed or Fixed to Adjustable	Fixed or Fixed to Adjustable	Fixed
Term	Up to 10 years	Up to 10 years	12 to 18 Months
Amortization	25 or 30 yrs	25 or 30 yrs	Interest Only As Disbursed
Loan to Value	70% maximum on office, industrial & retail, hotels and special use buildings are case by case at 50% LTV	75% maximum	65% Commercial / 75% SFR
Min Debt Coverage Ratio	1.30%	1.25%	1.30%
Recourse	Full Recourse	Full Recourse	Yes
Loan Fee	Up to 2.5 points	Up to 2.5 points	Up to 2.5 points
Processing Fee	$2,500.00	$2,500.00	$2,500.00
Legal Costs	Billed at actual cost if outside counsel is required	Billed at actual cost if outside counsel is required	Billed at actual cost if outside counsel is required
Other Costs	Appraisal, Title, Environmental, and Closing Costs	Appraisal, Environmental, Title, and Closing Costs	Fund Control Fee, Appraisal, Title, and Closing Costs
Impounds	May be required for taxes and insurance	May be required for taxes and insurance
Prepayment Fee	Yes	Yes	None
Broker Submissions	Accepted	Accepted	Accepted

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