Micro Balance Multifamily – Commercial Mortgage Loans

No need to ever worry about refinancing again! – This is a Main Street USA product! – Perfect for the owner user that falls just outside of traditional bank lending guidelines, but without the wait. -Smaller MSA’s down to 3,000 populations. Investor properties, such as multifamily and most commercial types, are also welcomed! Flexible underwriting guidelines, with the ability to cross-collateralize, seller held 2nd notes, make this specialized program a gem!

Long term 5 – 25-year fixed rates with fully amortized 25-30-year terms. Adjustable mortgage rates are also a possibility. After the close, you don’t have to worry about bank audits, inspections, or hassles! – Typical close times are approximately 3 weeks.

We look for real cash and or equity into the deal. NO 100% financing will be considered or offered. We will give you a quick and common sense answer.


Some of the properties considered are – Multifamily Apartment buildings – Mixed Use – Retail – Office – Warehouse – Self Storage – Auto related business – Day Care – Hair Salon – Liquor Stores – Hotel/Motel, Mobile Home Parks, & recreation properties in most states within the U.S. For a complete list of properties considered within this program please follow.

Markets 3,000 or greater in population within city/town limits is the target – The area demographics should display stable or positive population and employment growth. Credit above 600 is preferred, however, with understanding of why credit is below, approvals may be granted with reduced LTV’s or cross-collateralize with other investment homes or commercial property – Prefer solid mortgage history – No bankruptcies within past 2 years!

Our Micro Balance Loan product is perfect for the self employed borrower that writes down expenses on the corporate or personal tax returns.

Call us today – 800-838-1889 – Most Commercial & Multifamily Apartment Property Types Considered!

Micro Balance Multifamily – Commercial General Guidelines

Eligible Properties Purchase – Refinance
– Cash out – Working Capital – FLEXIBLE UNDERWRITING
Minimum Loan Size $50,000 – $500,000
Pricing 8.99% – 12.99% Interest only
– 0% – 4% Origination points (paid at closing)
Loan Terms 5 – 25 year fixed term – 25 year
amortization schedule – Adjustable rate option
Prepayment Penalty YES – Declining – 5-4-3-2-1%
Personal Guarantees YES – All grantors with greater
than 20% ownership of the building
Loan-to-Value 70% AS-IS maximum LTV- As completed
LTV is NOT considered
New Equity (cash) Requirements
NO new cash equity requirement
for refinance or cash out – Purchase minimum – 15% – 20% – Seller
allowed to carry/subordinate/bridge the remaning LTV/LTC gap once
Third Party Reports Appraisal – Collateral value
Phase I environmental report insurance
DML Property inspection (required)
ALTA land survey
Preliminary Submission
Package For Micro Balance Commerical – Multifamily Loans:
1. Well written summary OR our
online application – Top of page
2. Representative color photographs OR older appraisal
3. Current, detailed Rent Roll, including the unit mix
4. Historical & YTD operating statements
6. Sources and uses
7. Resume or Bio