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Commercial Mortgage Solutions

Are you in need of the best commercial mortgage Solutions? We are your right stop. We have closed thousands of Texas loans and we Are you in need of the best commercial mortgage brokers in Texas? We are your right stop. We are committed to giving you all the information you need so you feel confident about closing your loan. For more information, you can call us at (888) 727-3057 or visit https://commercialloansoftexas.com/.

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Commercial Mortgage Solutions

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  1. Commercial Mortgage Solutions

  2. The secret of getting ahead is getting started. - Mark Twain

  3. WE WANT YOU TO GET STARTED WITH US

  4. AGENDA • Why Work With Us? • Qualifying Borrowers • Our Programs • Get Started With Us!

  5. 1 Why Work With Us?

  6. Why Brokers Choose Us How Borrowers Benefit • Commercial focus • Broker Focus • Wide range of loan programs • Product expertise • Flexibility on income verification • Flexibility on term (30-year fixed available) • Higher LTVs available (up to 80%) • Cash-Outs available

  7. 2 Qualifying Borrowers

  8. Common Commercial Borrower Types • Ideal: Experienced investors (2+ years) • Prefer not to use tax returns for income verification • Looking for cash-out solutions to help fund new investments • Difficulty working with banks • Not able to qualify for SBA programs • Prefer to secure long-term financing (30-year fixed rate) • Often looking to cash out equity from their existing commercial properties for working capital or other business purposes • Difficulty working with banks Investors Business Owners

  9. When Our Solutions Makes Sense • Bank fallout • SBA program fallout • Hard/Private money takeout • More flexible cash-out options required • Documentation flexibility required We work best with creditworthy, rate-conscious borrowers who are unable or unwilling to work with traditional bank lenders.

  10. 3 Our Programs

  11. 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

  12. DSCR Program Guidelines *NEW* Portfolio Loans Minimum of 3 SFR/2-4-unit properties AND $500,000 loan amount *Maximum LTV ratio may vary depending on state.

  13. Small-balance commercial products *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.

  14. Property Types • Multifamily • Mixed-Use • Retail • Office • Restaurant/Bar • Warehouse • Self-Storage • Light Industrial • Automotive • Mobile Home Park • Day Care • Special use properties • New construction • Hospitality • Healthcare • Education • Adult entertainment • Churches • Cooperative ownership • Assisted living Eligible Property Types Common Ineligible Properties

  15. Small-balance commercial guidelines *Max loan limit for No Doc Streamline Program is $1 million.

  16. Attributes for Success • Strong credit history (rates are driven by LTV & FICO) • Consistent, stable, verifiable income • Strong property condition

  17. 4 Transaction Process

  18. 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

  19. WE ARE COMMITTED to giving you all the information you need so you feel confident about closing your loan.

  20. Transaction Process Overview SUBMISSION LOI ISSUE & ACCEPTANCE CONDITIONS UPDATE UNDERWRITING & REVIEW FINAL UNDERWRITING CLOSING & FUNDING

  21. Let’s discuss your small-balance mortgage opportunities! READY TO GET STARTED WITH US?

  22. Contact Us TODAY Dan Peterson 832-273-3551 texlend@gmail.com

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