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List of Loan Programs

Due to the ever changing marketplace, terms and conditions on all of our loan programs are subject to change without notice. Please contact us for details. Also note that our credit scoring parameters are below 600 FICO on some loan products.

Multifamily, Tier I, II, & III Properties

  • 5+ Units, 6 Units in NJ, Mixed Use – Refi & Purchase
  • $150k to $10MM – based on DCR, LTV & FICO
  • Up to 80% LTV.
  • Minimum DSCR: between 1.25% to 1.30%
  • Fully Amortizing

    • Hotel / Motel

  • $150k to $5MM
  • Maximum LTV: Up to 65% LTV/CLTV
  • Fully Amortizing

    • Bridge & Private Equity Fund

  • Loan Amount: $2MM to $10MM
  • Maximum LTV: Up to 70% LTV/90% CLTV
  • Interest Only 12-36 Months

    • Gas Stations / Franchise

  • $300k to $5MM
  • Affiliated with a national oil company.
  • Pump minimum of 1,000,000 annually.

    • SBA 504 & SBA 7(a)

  • $250k to $5MM
  • Up to 90% LTV Construction
  • Owner Occupied only

    • 09/17/2009 Please note that due to high call volume, we are providing more specific information regarding our Small Balance Private Money product. We also have capital partners who need to get a significant amount of money deployed on safe and low LTV commercial and residential bridge loan requests.

    In all scenarios we need the Executive summary-a brief description outlining the request for financing and pertinent information on the borrower; 1003 or PFS (prefer 1003 which is quickly becoming standard); Credit-doesn’t matter how old; Color photos of the property.

    Hard Money

  • 9.99-16% Interest Only
  • 12-36 Months term.
  • 65-70 LTV Maximum on income producing properties.
  • Up to 100% CLTV on income producing properties.
  • 2-3 weeks closing after submitting all docs
  • No minimum Fico
  • 3-7 Points at closing

    • Large Office Building