Commercial Mortgage Solutions
                     Commercial 
Mortgage 
Solutions
“The secret of 
getting ahead is 
getting started.
- Mark Twain
2
WE WANT YOU 
TO GET 
STARTED 
WITH US
3
AGENDA
▰ Why Work With Us?
▰ Qualifying Borrowers
▰ Our Programs
▰ Get Started With Us!
4
1
Why Work With Us?
5
Why Brokers Choose UsHow Borrowers Benefit
 Commercial focus  Flexibility on income verification
 Broker Focus  Flexibility on term (30-year fixed 
 Wide range of loan programs available)
 Product expertise  Higher LTVs available (up to 80%)
 Cash-Outs available
6
2
Qualifying 
Borrowers
7
Common Commercial Borrower 
Types
Investors Business Owners
▰ Ideal: Experienced investors (2+ years) ▰ Not able to qualify for SBA programs
▰ Prefer not to use tax returns for income ▰ Prefer to secure long-term financing (30-
verification year fixed rate)
▰ Looking for cash-out solutions to help fund ▰ Often looking to cash out equity from their 
new investments existing commercial properties for working 
▰ Difficulty working with banks capital or other business purposes
▰ Difficulty working with banks
8
When Our Solutions Makes Sense
▰ Bank fallout
▰ SBA program fallout We work best with 
creditworthy, rate-
conscious borrowers who 
▰ Hard/Private money takeout are unable or unwilling to 
work with traditional bank 
lenders.
▰ More flexible cash-out options 
required
▰ Documentation flexibility required
9
3
Our Programs
10
What is a DSCR loan?
A smart alternative for investors
Secure 1-4-unit investment deals with fewer doc 
requirements
A smart solution for agency declines
By conducting a DSCR-based commercial underwrite, 
there’s more opportunity to turn declines into approvals
A smart diversification tactic for LOs
Grow your business with an expanded product set – 
important in today’s market 11
DSCR Program 
Guidelines
Property Types Single Family Rental, 2-4-Unit Investor, Short-Term Rentals, and condos
Loan Size $100,000 - $2 million
Loan Terms 30-Year Fixed / 30-Year Amortization
Amortization 30 years *NEW*
Loan Purpose Purchase, Cash-Out, R/T Refinance Portfolio Loans Minimum of 3 
Max LTV* 80% SFR/2-4-unit properties AND 
$500,000 loan amount
Min FICO 660
Min DSCR 0.75x
Prepayment Fee 5% for 5 Years / 3 Years Declining 3%, 2%, 1% / 
5 Years Declining 5%, 4%, 3%, 2%, 1%
UW Methodology Qualifying income based on property cash flows
Income Docs No tax returns required
Borrower Profile Individual or Business Entity
Borrower Eligibility US Citizen, US Permanent Resident Alien, and Foreign Nationals
*Maximum LTV ratio may vary depending on state. 12
Small-balance commercial 
products
Full Doc Program Lowest rates for strong borrowers who can provide tax returns.
Lite Doc Investor Program Focus is on rents. No tax returns needed.
Owner-Occupied Bank Statement Program Owner-user submits 12 months of bank statements in lieu of tax returns.
No Doc Streamline Program No tax returns, bank statements, or operating statements required to qualify*
*Bank statement will be required for verification of reserves only. Borrowers will be required to submit a purchase contract for transactions involving 
a real estate acquisition. Note that appraisal companies may require property documentation to assess final value. 13
Property Types
Eligible Property Types Common Ineligible Properties
▰ Multifamily ▰ Self-Storage ▰ Special use ▰ Adult 
▰ Mixed-Use ▰ Light Industrial properties entertainmen
▰ Retail ▰ Automotive ▰ New 
t
construction ▰ Churches
▰ Office ▰ Mobile Home 
▰ Hospitality ▰ Cooperative 
▰ Restaurant/Bar Park
▰ Healthcare ownership
▰ Warehouse ▰ Day Care
▰ Education ▰ Assisted 
living
14
Small-balance commercial 
guidelines
Loan Size $100,000 - $2 million*
Purpose Purchase, Cash-Out, R/T Refinance
Loan Terms 5-Year ARM / 30-Year Fixed
Amortization 15, 25, 30
Max LTV Purchase: 80% / Refinance: 75%
Min FICO 650
Prepay Options 5% for 10, 7, 5, or 3 Years
Declining 5%, 4%, 3%, 2%, 1%
Min DSCR 1.15x Investor / 1.20x Owner-Occupied
UW Methodology Investor: Property DSCR
Owner-Occupied: Global DSCR
Borrower Individual or Business Entity
Buy Downs 0.25% = 1 Point Cost
15
*Max loan limit for No Doc Streamline Program is $1 million.
Attributes for Success
▰ Strong credit history (rates are driven by 
LTV & FICO)
▰ Consistent, stable, verifiable income
▰ Strong property condition
16
4
Transaction Process
17
Common complications with 
other lenders:
▰ Rules and responsibilities are never clearly defined
▰ The lender doesn’t communicate requirements in 
a clear manner
▰ Borrower doesn’t know what to expect at each 
stage
18
WE ARE 
COMMITT
Eto gDiving you all the 
information you need so you 
feel confident about closing 
your loan. 19
Transaction Process 
Overview
SUBMISSION
LOI ISSUE & ACCEPTANCE
CONDITIONS UPDATE
UNDERWRITING & REVIEW
FINAL UNDERWRITING
CLOSING & 
FUNDING 20
READY TO GET 
STARTED WITH 
LUet’Ss d?iscuss your small-balance mortgage 
opportunities!
21
Contact Us TODAY
Dan Peterson
832-273-3551
[email protected]
22