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Local Bank & Credit Unions typically lend within 25-50 miles of their branch locations and in many cases provide "outside the box" underwriting guidelines, enabling Borrowers to bypass more stringent underwriting standards seen in government guaranteed loans, CMBS or life company loans & regional bank loans. In every scenario, the Borrower will be required to open a deposit relationship with the bank as part of establishing a new loan.

Loan Amounts:

$100,000 - $10,000,000

Eligible Property Types:

Most Property Types

Occupancy Requirement:

Owner Occupied & Investment

Loan to Value:

Up to 80% of property appraised value

Typical Interest Rate:

5.50% to 6.50%

Minimum DSCR:

1.10x to 1.25x


20-25 Year Term / 20-25 Year Amortization

Prepayment Penalty:

Prepayment Penalties not always included & typically negotiable

Minimum Credit Score:

650 middle

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