Unlike residential lending which focuses on the borrower's credit, commercial lenders concentrate primarily on the physical real estate – specifically, the income produced by the real estate. Therefore, proper development and prudent analysis of the property's operating statement and rent roll is paramount to understanding the likelihood of funding and preparing a professional loan package that demonstrates the financing issues of the property in order for a lender to provide a loan commitment. The key is the type of underwriting that is used.

Underwriting That Makes A Difference ...

One of the key components that makes us different is the manner in which we underwrite our loans. Unlike our competitors, we underwrite and originate our loans in house using the Commercial Mortgage Securities Association's (CMSA)  Investor Reporting Package (IRB) and not the conventional conforming underwriting guidelines. This means that each commercial loan is approved based on the strength and the property's ability to service the debt. Each property basically qualifies for it's own financing rather than the individual having to qualify for the loans. This type of underwriting provides:

Creative Commercial Financing For Income Producing Properties Like These!