Owner user property conventional loan finance program from Mortgage Cap Financial for industrial building, warehouse building, retail construction, restaurant building, medical office building, and other special purposes.
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Mortgage Capital Financial
PHONE: 212-631-4272 | CALL TOLL FREE: 1-800-689-0706 | FAX: 212-208-3069
email us

Owner User Properties Conventional Loan Financing

Conventional Loan Programs

(Not SBA)

Property Types;

-          Office / medical                                    - Restaurants

-          Industrial buildings                               - Auto related

-          Retail properties                                  - gas station/C-store

-          Warehouse properties                         - other special purpose

Loan Amounts:          $1,000,000 - $30,000,000

Terms/Ams:                15/30, 20/20 and 25/25 (>$2 mil)  

Loan Types:               ARM and Fixed rate loans for property acquisition, refinance and construction

Loan to Value (LTV): * Multi-use properties: 85% LTV. To 100% LTV with Seller financing or other real estate equity as additional collateral. 

** Special Purpose Properties: 65% - 75% LTV. To 85% LTV with Seller financing or other real estate equity as additional collateral.  

Recourse:                  Yes

Loan Fees:                 0 – 1 point, dependent of deal strength

Interest Rates:          Qtrly Adj:   Prime to P + 1.5%

                                    5 yr fixed:   P + 1.0% – 2.5%

10 yr fixed: P + 1.4% – 2.8%

                                    20 yr fixed: P + 1.75% - 3.25%

                                    25 yr fixed: P + 1.85% - 3.45%

                                    Note: rates are subject to underwriting approval and may change

                                             without notice.

Pre-Qualification:      72 hrs

Commitment Letter: within 7-10 days of receipt of complete loan package

Funding:                     30 to 45 days from Commitment Letter

NOTE: 

-          Seller carry may be permitted.

-          Construction loans: all interest and principal accrues during construction

-          Prepay Policy: 5/5/4/3/3 

-          Owner Occupancy: 25% minimum. Must have cash flow without rental income.

Click here for Loan Submission Form, please complete and
e-mail or fax back to us so we can review your project (in Word).
or in Adobe Acrobat format

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Mortgage Capital Financial
PHONE: 212-631-4272 | CALL TOLL FREE: 1-800-689-0706 | FAX: 212-208-3069
email us
Loans provided are only for business and investment purposes.  Only business and investment property and other business assets can be used to collateralize any business and / or real estate loan request.  Funds can not be used for any personal purposes and can be only used for commercial business and investment purposes. Borrower may be required to use single purpose borrowing entity which could take the form of a limited liability company or corporation.  The first step to begin to see if there is an interest in your business or real estate financing request is to complete the Loan Submission form and either e-mail or fax back to Mortgage Cap Financial.
Last update 01/01/2010
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