Commercial Financing
Holiday Mortgage (Youngs Real Estate, Inc.) • California • By Appointment Only
Program navigation:
VA
FHA
Conventional (FNMA/FHLMC)
USDA
Down Payment Assistance
Forgivable Grants
CalHFA
CalVET
Jumbo / Super Jumbo
SBA
Agricultural
Commercial
Hard Money
DSCR
Apartment Complex
Manufactured Homes
Quick list: VA • FHA • Conventional (FNMA/FHLMC) • USDA • Down Payment Assistance • Forgivable Grants • CalHFA • CalVET • Jumbo / Super Jumbo • SBA • Agricultural • Commercial • Hard Money • DSCR • Apartment Complex • Manufactured Homes
At a glance
- Best for: income-producing commercial properties and business real estate.
- Underwriting: property income/expenses and borrower strength.
- Docs: rent roll, leases, operating statements.
Reminder: Guidelines vary by lender and scenario. This page is general information only and is not a commitment to lend.
Basic qualifications (typical)
- Property NOI and debt coverage are commonly reviewed.
- Borrower experience and liquidity/net worth may matter.
- Terms vary by property type and lender.
Property types that may work
- Retail, office, industrial
- Mixed-use (guidelines vary)
- Owner-occupied or investment commercial (varies)
Typical documentation checklist
- Photo ID
- Income documentation (paystubs, W-2s, tax returns depending on income type)
- Asset documentation (bank statements; source of funds for down payment/closing costs)
- Property documentation (purchase contract if buying; insurance quote)
- Credit authorization and explanations if needed
- Program-specific items (below)
Tip: For privacy and security, do not email SSNs or sensitive document images. Use a secure portal for sensitive info.
Program-specific documents / notes
- Rent roll and leases.
- Operating statements (T-12 if available).
- Borrower/entity financials and tax returns.
- Entity documents for ownership (if applicable).
Questions? Call (530) 238-5739 or email [email protected].
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