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Regional Banks have lending footprints in different chunks of the country (Northeast, Southeast, etc.) & have the ability to fund larger, relationship driven transactions. Like local banks & credit unions, a deposit relationship is required. Interest Rate pricing is generally more favorable, especially if the Borrower can bring a strong treasury management relationship.

Loan Amounts:

$500,000 to $20,000,000

Eligible Property Types:

Most Property Types

Occupancy Requirement:

Owner Occupied & Investment

Loan to Value:

Up to 85% of property appraised value

Typical Interest Rate:

5.50% to 7.00%

Minimum DSCR:

1.10x to 1.25x


5, 10, 15 Year Balloon & 20-30 Year Amortization

Prepayment Penalty:

Yield Maintenance or Step Down - negotiable

Minimum Credit Score:

650 middle

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