Loan Amounts

• From $300,000 – $20,000,000

Loan-to-Value (LTV)

• Owner Occupied: 90% (SBA) – 80% (Bank)
• Investor: 75%

Property Types

Primary: Mixed Use, Retail, Office, Warehouse, Self-Storage, Light Industrial, Dealerships
Secondary: Restaurant, Hospitality, Auto Care
Not Eligible: Non-Profit, Cannabis (alternative lending only)

Program Types

• 3, 5, 7, 10-year & 15-year fixed (balloon)

Amortizations

• 15 – 30 years

Prepayment Penalties

• Yes, in most cases ranging from 3–5 years

Units

• No Maximum

Occupancy

• 80% (on multi-unit properties – e.g., strip mall)

Lease Types

• Long-term leases only (minimum 6 months)

Lending Areas

• Continental USA
• All major cities (up to max LTV)
• Secondary markets (up to 70% LTV)

Income Requirements

• 3 years of tax returns
• Year-to-date for the subject property shows sufficient net income

Other Requirements & Permissions

• DSCR Ratio: 1.25x+
• Global: Debt-to-income analysis
• Net Worth: Similar to the loan amount
• Reserves: ~20% of purchase price (SBA flexible)
• Experience: Must generally own another investment property of similar characteristics (otherwise management company is required)
• Credit Score: ~680+ (lower scores with explanation permitted)
• Gift Funds: Up to 50% of down payment; Max seller contribution 3%
• Citizenship Status: Citizens, Green Card holders, Non-permanent residents (select visa types), Foreign nationals (lower LTVs – Florida only)