Commercial
At a glance
- Typical qualifications and documentation vary by lender and program rules.
- Property type, occupancy, and credit profile matter.
- We’ll confirm eligibility and next steps during a call.
Basic qualifications (typical)
- Cash flow (DSCR), property type, and experience matter.
- Down payment and reserves requirements vary by lender and asset class.
- Lease terms and occupancy strongly impact approvals.
Property types that may work
- Retail, office, industrial (program dependent)
- Mixed‑use (limits vary)
- Multifamily 5+ units (often treated as commercial)
Typical documentation checklist
- Entity documents and borrower financial statement
- Rent roll and leases (if applicable)
- Operating statements (T‑12), property expenses
- Purchase contract/term sheet
- Appraisal, environmental/third‑party reports (may be required)
Tip: For privacy and security, do not email SSNs or sensitive document images. Use a secure portal for sensitive info.
Program-specific documents / notes
- Commercial loans often require third‑party reports and longer timelines.
- Rates and terms vary widely (fixed/variable, amortization, balloons).
- We’ll outline expected costs and timeline up front.
Questions? Call (530) 238-5739 or email [email protected].