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Success in Today’s

banking environment requires expertise and exclusivity focused.

Capit al Markets .

Loan programs are subject to Underwriting . .

• Fixed Interest Rates _ Hybrid Fixed Interest Rates _ Amortization _ Interest Only Payments
• Conventional _ Portfolio _ Agency Lending FNMA DUS _ Freddie Mac SBL _ HUD-FHA
• Non-Recourse (with standard carve-outs) _ SBA 7a/504 _ Community Bank _ Mortgagee

• Credit Union _ Life Insurance _ CMBS _ Innovative Capabilities Bank Statements Loans
• DSCR 1-4Unit Rentals _ No 1040s _ No Seasoned  Fund s _ No Source of Funds 
• Purchase  80-90% CLTV Buyer Down plus  Seller ' s 2ND Trust Deed or Cross Collateral 

•  No S . S . Number _ ITIN Holder _  Hard Money_ Private Equity _ Pro prietary Funds 
• Vesting in Individual _ Legal Entities Corporation _ LLC _ Non-Profit _ Trust Name 
  
• No Construction and No SFR Owner-Occupied Loans.

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Collateral Assets .

Collateral assets are contingent upon Underwriting..

• Multi-Family _ Mixed-Use _ Senior and Student Housing _ Investment 1-4Unit Rentals
• Retail Convenient Store _ Retail Strip _ Retail Shopping Center _ Retail Mall
• Office Skyscraper _ Office Building _ Office Condos _ Medical Office _ Flex Space

• Industrial Space _  Industrial Condos _ Warehouse R&D _ Heavy Industrial
• Cold Storage _ Self-Storage Park _ Mobile Home Park _ Auto Service/Repair
• Auto Body Shop _ Auto Accessories _ Tire Sale and Services _ Towing Yard.

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Special Purpose .

Credit is subject to Underwriting .

• Restaurant/Bar | Casual Dinning Restaurant | Health Spa Sport Facility 
• Church place of worship | Synagogue place of prayer | Non-Profit Entity
• Gulf Country Club plus restaurants/conference rooms/gift shop   Marina 

• Vacant Land | Land with Entitlements | Income Producing Agriculture Land
• Pre-School Day Care | Educational Trade Center | Higher Education Collage
• Flagged NNN Investment | Flagged Hospitality } Family Owned Hotel/Motel

• Banquet Hall | Full Service Car Wash | Coin Operated Car Wash | Auto Detailing 
• Flagged Fuel Service Station +c-store/car wash/smog shop   Auto Dealership 
• Health Care Assisted Living Facility | Convalescent | Skilled Nursing Home
• Hospital | Surgical Facility | Medical Clinic | Sports Rehab Medicine | Doctor Office

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“Commercial _Real 

Estate _Lending”

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Compounding skills , digital agility and intentional results

Seamless execution on enterprise business and investment projects whether strong financials or whiteout financials...!

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>6.500%

5/30yr. Hybrid Fixed/ Amort  

Preferred Multi-Family

Bank Statement

>8.250%

5/30yr Hybrid Fixed Interest Rate 15/15yr _ 30/30yr Fixed Available 

Owner-User up=to 80% LTV Max

Business Bank Statements

Business Experience Driven

Industrial | Auto Repair Restaurant | Day Care

Institutional Lending

• Multi-Family | Mixed-Use
• Retail Strip | Shopping Center
• Office Bld. | Office Condo 
• Rental 1-4Units
• Industrial Space
• Warehouse Flex Space

Parameters

• Most Competitive Rates
• Hybrid Fixed Interest Rates
• DSCR
• Loan Size >$1MM
• Call for Pricing >$500K
• Und-r 2-3yr/YTD financials
• Nationally MSA Markets

>6.875%

5/30yr, Hybrid Fixed/Amort.

Standard Multi-Family

CRE Mortgage

>9.499%

30/30yr Fixed   No 1040s Tax Returns

Easy Underwriting | No PHASE I  

Multi-Family | Mixed-Use

Industrial | Auto Repair

 

Innovative Lending

• Multi-Family
• Mixed-Use
• Rental 1-4Units
• Day Care 
• Retail Strip | Office Bld.
• Auto Repair
• Restaurant | Warehouse
• Self-Storage | Industrial

Parameters 

• Competitive Rates
• Fixed Interest Rates
• DSCR 1.20-1,25 
• Loan Size >$1MM
  
• Call for Pricing >$500K
• No 1040s Financials
• Nationally MSA Markets

To Letter of Interest "LOI"

>9.990%

12-24Mos. Term | Equity Driven

Multi-Family | Mixed-Use

Industrial Space | Retail

Land | Church | Restaurant

Hard Money

>10.500%

36-60Mos. Term | Equity Driven

No Financials | Maturity NOTE

Church | Land | Restaurant Mixed-Use | Multi-Family Industrial | Auto Repair

Restaurant | Flex Space

Private Equity

• Most Property Types
• Bridge Loan Longer Term
• Hard Money Short Term
• Interest Only Payments
• Low DSCR 1.00-1.10
• Loan Size >$1MM
  
• Call for Pricing >$500K
• No 1040s Financials 
• Equity Driven
• Southern & Northern CA MSA Markets