Good Quality, A Credit, Minimum DCR 1.10:1 Maximum LTV 80%

ARM 6.25%, Fixed 8.00%

Average Quality, A credit, Minimum DCR 1.30:1 Maximum LTV 70% 8.50% fixed ARM 6.50%,

A Quality, 1.25 - 1.30 DCR
Maximum 75% LTV
7.375% Fixed Rates

Checklist of Information Required
• Loan Application
• Credit Report (with applicable Explanations)
• YTD Profit & Loss, 3 yrs Operating Statements
• 2yrs 1040's with all schedules
• Copy of Notes On Subject Property (Refinancing)
• Rental Or Lease Agreement
• Rent Roll
• Property Photos
• Purchase Agreement & Escrow Instructions
• Additional Information Required For Corporations, Partnerships and Trusts

Commercial and Multi-Residential Financing is based on strength of property (location, occupancy,
age e.t.c.) As well as on the strength of the buyer/borrower. The interest rate quotes should be
used strength of the buyer/ borrower. The interest rate quotes should be used only as a guide in
determining qualifications and payment schedules.

Costs are determined by size of project as well as quality. There may be additional requirements
such as environmental reports, aerial photography, additional financial statements, e.t.c..

Depending in the project, it would be our normal procedure the borrower/buyer with two to three loan
programs form which to choose.