Commercial loans
Financing from $100K to $2M for multifamily, retail, office, warehouse, mixed-use and more — with full documentation, reduced documentation, and no-doc options for investors and owner-occupants alike.
Commercial Features
- 01Loan size $100K – $2M
- 0230-Yr Fixed / 5-Yr ARM
- 03Up to 80% LTV on purchases
- 04Min FICO from 650
- 05No-doc and bank statement options
Four ways to structure a commercial deal.
Our commercial solutions cover a wide range of income-producing property types, with four documentation paths so the file can be built around the borrower rather than the other way around.
Full Documentation is the traditional route using two years of personal and business tax returns. Lite Doc removes tax returns entirely for investor transactions. Investor No Doc requires no income documentation at all, qualifying on the property. Streamline Commercial Bank Statement uses twelve consecutive months of business bank statements for owner-occupied properties. All four are available to individuals or entities.
Commercial solutions at a glance.
Guidelines for each documentation path. Scroll horizontally to compare all four programs.
| Guideline | Full Documentation | Lite Doc | Investor No Doc | Streamline Commercial Bank Statement |
|---|---|---|---|---|
| Loan Type | Investor Owner-Occupied |
Investor Only | Investor Owner-Occupied |
Owner-Occupied Only |
| Loan Size | $100K – $2M | $100K – $2M | $100K – $2M | $100K – $2M |
| Loan Terms | 30-Yr Fixed / 5-Yr ARM | 30-Yr Fixed / 5-Yr ARM | 30-Yr Fixed / 5-Yr ARM | 30-Yr Fixed / 5-Yr ARM |
| Amortization | 15, 25, 30 | 15, 25, 30 | 15, 25, 30 | 15, 25, 30 |
| Loan Purpose | Purchase, Cash-Out, R/T Refinance | Purchase, Cash-Out, R/T Refinance | Purchase, Cash-Out, R/T Refinance | Purchase, Cash-Out, R/T Refinance |
| Max LTV | Purchase: 80% Refinance: 75% |
Purchase: 80% Refinance: 75% |
Purchase: 75% Refinance: 70% |
Purchase: 80% Refinance: 75% |
| Min FICO | 650 | 650 | 700 | 650 |
| Min DSCR | Inv: 1.15x O-O: 1.2x Global |
1.15x | 1.00x | 1.20x Global |
| Prepay Fee | 5% for 10, 7, 5, or 3 years | Declining 5%, 4%, 3%, 2%, 1% | |||
| Income Docs | 2 yrs personal & biz tax returns | No tax returns | None required | 12 consecutive months of biz bank statements |
| Borrower Type | Individual or Entity | Individual or Entity | Individual or Entity | Individual or Entity |
Rates, terms and guidelines subject to change without notice.
Properties we finance.
Not an offer to lend. Rates, terms and guidelines subject to change without notice.
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