NMLS #196149

Product Type:	Apartments Multi Tenant Office  Strip Retail    Medical Office  Warehouse/Distribution  One Tenant Office
Loan Size:	Minimum: $300K  Preferred: $1MM to $10MM
Financing Types:	First Mortgages/Deed of Trust  Rate Fixed 3 years, 5 years, 10 years  Up to 30 year amortization periods
Maximum LTV:	75%
Minimum Debt  Service Requirements	Minimum 1.20 net operating income to debt service
Type of Appraisal  Required:	MAI
Typical Rate Structure  for Today's Business:	Correspondent Treasury Yield plus 280 to 320 basis points.     Rates vary based on specific deal and prevailing market  -- Call for current pricing
Points:	Usually 1.0% to 2.0%.
Rate Lock:	At commitment
Prepayment Penalty:	Yield Maintenance Basis or Fixed
Comments:	Not typically interested in deals being "shopped" to other brokers or lenders.  Initial submission should include:  Financial Statement on Borrowers  Full description of the Improvements  Location Map and Lot Size  Rent Roll  Current Year-to-Date Operating Statement for the project plus 2 years past statements, if available  Old Appraisal, if available