Multifamily Apartments - Acquisition/Refinance 
Lesser of 85% Loan-to-Value or 85% Loan-to-Acquisition-Cost

REFINANCE: Up to 85% Loan-to-Value, 80% with cash-out

Up to 35- Year Amortization

Up to 35- Year Term (no balloon)

No maximum loan amount

Low, fixed interest rate, based on market spreads over 10-Year Treasury Yield.

Non-recourse, with no standard conduit carve-outs

1.17 Minimum Debt Service Coverage

MultiFamily Construction / Substantial Rehab

90% Loan-to-Cost

40 Year amortization

40 Year Term (no balloon)

No maximum loan amount

Low, fixed interest rate

Non-Recourse

Assumable

1:11 Minimum Debt Service Coverage

NNN Program (single tenants only)

 Max LTV: 95%

Fully amortizing loans with terms of 20,22,25 yrs.

minimum 1.01x DCR

 acquisition or refinance

NNN leases

non recourse

portfolios welcome

 STOCK LOAN

Up to 90% loan-to-value; no margin calls for any reason. 100% hedged portfolio limits risk of loss; margin calls unnecessary; nonrecourse loan. Client can freely default at any time, forfeiting only stocks, even if stocks are worthless. Client keeps cash. Nonrecourse freedom means default never reported to credit agencies. Default a borrower right. Loan cash available for any legal purpose, not tied to account. Cash loan means no sale of stock. Tax deferral is possible regular account statements. No qualifying required. Your stocks are your passport to a stock loan.


QUALIFICATIONS OF A STOCK LOAN:

Flagship Loan  (Client receives full upside of stock value)
Interest Rates from 9% - Fixed rate will depend on volatility of price and volume security. LTV always 90% - Retire margin debt and get more cash with advance rate of 90% against your stock, instead of 50% offered in margin accounts. Select Terms from 2-10 years - You choose the term which best suits the timing of your personal financial objective. Full upside participation - you keep all upside performance in your stock, no matter how high it goes. Non-recourse, non-callable - No margin calls, no house calls. If your stock depreciates you have the choice to default without attachment of other assets or effect to your credit rating. No payments at all until unit maturity - All payments are deferred until maturity-since you have no payments to make. Your cash can be free to service other debt or any other cash flow requirements. Quarterly Account Statements - you will receive quarterly account statements to monitor the performance of your asset versus your obligation.

Hard Money

Term: 1-3 Years
Lending Area: The United States
Property Type: All commercial properties considered (including raw land)
Loan Size: $500,000 to $50,000,000 +
Interest Rates: As low as 9% (rates may vary depending upon collateral type)
Amortization: Interest Only
Loan to Value: Up to 75%
Origination Fee: 2-5% taken at closing from the loan proceeds
Closing Terms: Closings in as quick as 5-7 business days

Terms are subject to change without further notice.