Key Highlights for this loan

• Best For:

  • Self employed borrowers with complex income structures

  • Real estate investors prioritizing speed and flexibility

  • Foreign nationals without U.S. credit or income history

  • Asset rich borrowers seeking simplified underwriting
     

• Max Loan to Value (LTV):

  • Up to 70 percent standard leverage

  • Seller carryback seconds allowed up to 90 percent on purchases

  • Lower LTV options available for improved pricing

  • Conservative leverage reduces documentation requirements
     

• Credit Score Requirements:

  • 650+ typical guideline for domestic borrowers

  • No U.S. credit history required for foreign investors

  • No credit score needed at 50 percent LTV or lower

  • Alternative credit references may be considered
     

• Loan Amounts:

  • $250,000 to $5,000,000 standard range

  • Larger loans possible with strong asset backing

  • Suitable for individual properties or portfolio acquisitions

  • Flexible structures for experienced sponsors
     

• Eligible Uses:

  • Commercial property purchases

  • Rate and term refinancing

  • Cash out refinancing for liquidity or reinvestment

  • Investment and income producing properties
     

• Program Term:

  • 30 year fixed rate options available

  • Predictable long term payment structure

  • Stabilizes cash flow planning

  • Reduces exposure to rate volatility
     

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