Multi family	Retail
Garden Apartments Hi-Rise Apartments Mid-Rise Apartments Low/Mod Income Student Apartments Senior Apartments Underlying Coop	Regional Enclosed Strip Center Outlet Mall Free Standing Single Tenant Regional Unenclosed
Office	Health Care
Single Tenant Hi-Rise Tower Mid-Rise Office Office Over Retail	Congregate Living Nursing Home Rehabilitation Ambulatory Care
Office
Heavy Manufacturing Light Manufacturing Warehouse/Distribution Owner Occupied Multi-Tenant Self Storage Special Purpose   For the above type of Commercial Properties...fast and easy financing is available: Loan amounts to $3,000,000 2-, 3-, 5-, 7-,  and 10- year ARM products 30 year amortization with no balloons Credit scores as low as 575 LTV's as high as 80% Full doc and stated programs purchase and refinance No up front fees!   Contact Us For Commercial Financing     In addition, for the following categories we have lenders for commercial mortgages from $400,000 - $100,000,000. Land Acquisitions Gas Stations Development Loans  Marinas Construction Loans Hotels Bridge Loans Golf Courses Commercial Real Estate Loans Dockominiums Mezzanine Financing Condo-Conversions Joint Venture Financing Churches/Day-Cares Retail Centers Industrial Office Buildings   Contact us for details on these programs and to discuss your Commercial mortgage project with our experts.   Are You Looking for a SPEC LOAN?   Q.  What is "Spec" construction? A.  Contractors, builders and developers who are building a home without a guaranteed sale upon completion are said to be building on "Spec", which is short for "Speculation". These individuals and companies are speculating that they will earn a profit when they sell the newly constructed home. This special program is specifically designed for these types of projects. Q.  What do my Builders need to know about the Spec Loan? A.  Here's some important information about the Spec Loans: · 24/7 online draw request · Financing up to 90% of total project cost · Loans up to 80% LTV · Loans up to $1.5M, No loan committee approval on loans less than $1M · Up to 4 loans to the same Builder within the same subdivision, market or neighborhood · Lot draws up to 60% of land value · Land equity and pre-paid costs can be used as down payment · No DTI ratio calculated · Corporations, Partnerships and LLCs okay with personal guarantees by principal(s) Q.  What does it take for my Builder to qualify for a Spec Loan? A.  This is a list of requirements that your Builder will have to meet: · 680 middle credit score · 10% post-closing liquidity of the total loan amount · Minimum GPM (gross profit margin) of 15% · Full documentation only · Only approved Builders with 5+ years experience in the building/marketing of residential SFR's are acceptable as GC's.