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GENERAL COMMERCIAL

Office, Retail, Industrial...

65% LTV is the Norm, 75% if Everything Else is Strong- Purch & R/T Refi

C/O generally <60% LTV, must be Good reason, the Less c/o the better

L/A up to $5M, above the generally Wall Street

1.25 is Min. DSCR, (prefer higher)

650 Score is Min. (Ex. nedd 1.4 DSCR to compensate), (680 score pref.)

85-90% Occupied (otherwise Bridge)

(experience and reserves needed, must have, but guidelines vary widely on this depending on the source)

 

 


GUARDIAN FINANCIAL SOLUTIONS LLC
108 Crossover Ave. Suite G. Lowell, AR. 72745