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Commercial and Investment Loans

As an independent brokerage firm, we are free to search the marketplace for the best program that fits our client’s needs. Many of our competitors are limited to only conventional loan programs when it comes to investment and cash flow properties. While we offer those commercial mortgage loan programs in West Palm Beach, FL, we also understand there is a need for alternative styles of loan programs, depending on individualized needs. These programs are private money loan alternatives and are to be used with commercial and investment properties only.

No Ratio Loans

These loans are based strictly on the credit of the primary borrower and the income cash flow of the property being purchased. The rental income of the property must be equal to or greater than the mortgage payment of the property being financed. The market rental income will be determined by the appraiser when the property is appraised and not stated in a provided lease.

Program Highlights:
Minimum Credit Score
: 620
Maximum Loan Amount: $2,000,000.00
Minimum Loan Amount: $100,000.00
Minimum Down Payment:
     20% (680 Credit Score or Higher)
     30% (Under 680 Credit Score)
No Bankruptcies or Foreclosures in the last 4 years
Eligible Properties: Single Family, Multi-Family, Condos, Townhomes

Cash Flow Commercial Loan Programs:


Minimum Credit Score: 650
Loan Amount: Based on Equity in Property
Eligible Properties: Single Family, Multi-Family, Office, Retail, Warehouse, Self-Storage, Auto Service (No Gas Stations)
Borrowers Must Own a Primary Residence
Loan and Property to be closed in a Corporation or LLC
30-Year Amortization
No Balloon Payments
Purchase or Refinance Available

Investor Rehab Programs:


Conventional Renovation Loan

Minimum Credit Score: 620
Down Payment: 20%
Loan Amount is Based on Purchase Price plus repairs
Single Family Properties only
Competitive, Long-Term, Fixed Rates
Perfect for long-term income investors
Full Income Verification Required

Investor Fix and Flip Financing

Minimum Credit Score: None
Property Does Not have to be habitable
No Prepayment Penalty
1 Year, Interest-Only Loan
No Escrows Required
Minimum Loan Amount: $75,000

SBA Loan Program

Minimum Credit Score: 620
Purchase Owner Occupied Commercial Property
Borrower up to 90% of the Purchase Price
Maximum Loan Amount: $10,000,000

SBA Construction Loans

Minimum Credit Score: 620
Finance up to 90% of the Land and Building Costs
Maximum Loan Amount: $10,000,000

All Loans Are Subject to Underwriting approval

To get a mortgage quote for a property in West Palm Beach, FL, call us today at our toll-free number: 877-799-4015