Commercial/Apartment Mortgage Loans
Program Guidelines and Property Types, Areas we Currently Lend on
Purchase/Acquisition or Refinance for better cash flow management, balloon coming due, Buy-out Partne r or Access Untapped Equity for business expansion, Additional Capital for Inventory or Cash Reserves
Looking to expand your business operations? Need more working capital to purchase additional inventory? Is the local banker asking for too much paperwork/documentation and 3 years of 1040's you'd rather not provide? Relax, help is here; Pinnacle Mortgage Group specializes in commercial loans to the small business owner! Our Commercial Loan Consultants can arrange a Low or No Doc, No Hassle Loan Program, tailored to your specific business needs.
(No Personal Residence used for Cross-Collateralization on most of our Commercial Loan Programs)
Whether you own or are acquiring a commercial property or apartment building, we can help. Our Commercial Loan Programs offer longer terms than banks - up to 10, 15, even up to 30 year amortization - reducing monthly payments while increasing your business' cash flow!
Also, for a limited time - Save even More $$$ with a Pinnacle Commercial Mortgage Loan. Just mention this online promotion and we will attach an "Appraisal Fee Rebate" voucher to your loan file. A substantial Savings up to $1,500.00! (rebated at C.O.E.) ****Promotion expires end of the Month****
Pinnacle Mortgage Group represents dozens of Wholesale Commercial Lending Conduit's, including several small balance Commercial Mortgage Bankers. See below for a list of property types we lend on.
Small Balance Loan Amounts & Loan Limits are; $100,000.00 to $3,000,000.00. The Stated Income/Stated Asset (no 1040's needed) program is available on loan amounts from $100k to $1,000,000.
Traditional Loan Amounts of $5 Million to $50 Million require standard documentation, dscr/cash-flow analysis, 3 years corp./personal taxes. More Liberal debt ratio guidelines with higher LTV's (Currently our LTV's for this program go up to 90% with high Credit Scores and Owner Occupied Property) than most banks/traditional sources for funds at these loan amounts.
Click Link below to access and print our Commercial Loan Application. Complete and fax back to our commercial division at; (714) 921-0484
Commercial Loan Application.pdf
We lend on the following commercial property types;
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5 + unit Apartment Buildings to multi-building projects
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Retail Shops/Store
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Medical/Dental/Law Office Buildings & Office Condo's
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Warehouses & Storage Unit Facilities
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Light Industrial Buildings
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Industrial Buildings
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Light Manufacturing
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Strip Mall Shopping Centers
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Gas Stations / Automotive Repair Shops (environmental report)
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Mixed Use Commercial - Store front with residential in rear, etc.
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Restaurant/Bar
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Hospitality Industry - Hotel/Motel
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Grocery/Liquor/Convenience Store
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Elder Care Facilities / Nursing Homes
Our Small Balance Commercial Loans are C.L.E.A.R.
"Commercial Loans Easy As Residential"
Our Commercial Mortgage Advisors are Certified Commercial Mortgage Specialists having passed continuing education for Commercial Mortgage Financing, earning Certified Status from several major Commercial Lenders with whom Pinnacle Mortgage Group is affiliated
Note: Stated Income/Stated Asset program is an option to borrowers with higher credit scores, Loan Amts. or do not want to provide 3 years of financials and 1040's. The max loan amount on our Stated/Stated Commercial Loan Program is up to $2 Million with a minimum 680 credit score.
Please scroll down for Today's Top Commercial Real Estate News or to Calculate your Debt Service Coverage Ratio click on link -
Return to our Commercial Loans page by clicking the Back Arrow Button on your browser, or the "Home" Button in our Header at top of Page. Please call us if your DSCR is below 1.25 This calculator is only to be used as a guidepost and not for actual approval or denial of a particular loan submission. We offer a broad spectrum of commercial loans and several allow for Stated Income and residential type debt ratio approval guidelines. It is simply a tool to assist our clients and should not be used to self-underwrite your loan request.
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(Please forward Pinnacle Mortgage Group's Website Address to other Business Owners, Investors and Commercial Property Owners you know. Also Business Owners who'd like to buy the building they occupy) Thank you!
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