Commercial loans are underwritten on a case by case basis.  Each property, borrower and transaction is unique and each application is evaluated on its own merits.  Our lending partners have specific program and investing parameters.  We will work closely with you to qualify your transaction, providing the best alternatives to meet your requirements.  Lending parameters will focus on the following details and loan documentation: 

• financial analysis-measuring loan to value and  combined loan to value. 
• credit worthiness-measured against industry models and investor guidelines.
• debt service coverage ratios-measured with supporting financials. 
• property appraisal focusing on fair market valuations, rents, building age, appearance, local market, location, environmental issues and accessibility features.

Income properties may require an analysis of current tenants with emphasis being placed on their financial strength, years left on the lease and any other relevant information required to underwrite the loan application.