No Income Documents / No Credit Check / No Personal Guarantees, 4.75% Rate, Commercial Properties

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Loan Amounts:

$250,000 to $50 Million. 

Loan Purpose & Lending Areas:

Purchase / Refinance (Rate / Term & Cash Out.

Lending Areas: NY, NJ, CT, PA (All other states on a case by case basis).

Property Types:

Multi-Family Apartment Buildings (6 to 100 Units), Mixed-Use, Retail, Warehouses. 

Minimum Credit Scores:

No Minimum Credit Scores. No Credit Check. 

Loan To Value:

65% Loan To Value (LTV). 

Rates & Terms:

(Program Option #1):  4.75%, 5+5+5, 25 Year Amortization, DSCR = 1.35%.

(Program Option #2):  5.5%, 15 Year Fixed, DSCR = 1.35%.

Must Own The Property In LLC. If Property Is In Personal Name, You Must Transfer From Personal Name To LLC.

No Prepayment Penalties.

No Personal Guarantees.

1st Access Capital Advantages:

No Income Documentation, No Credit Report, No Personal Guarantees, No Prepayment Penalty, Rates As Low As 4.75%. 

True No Income Verification / No DSCR / Commercial Property, 30 Year Term

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Loan Amounts:

Up to $5 Million (Over $5 Million, please review our "Large Balance Commercial Lending Program"). 

Loan Purpose & Lending Areas:

Purchase, Refinance (Rate / Term & Cash Out).

Lending Areas: All States Except: AZ,CA,IL,MI,NV,NH,NC,OR,SD,VT.

The following are the only states where property must be in an LLC or Corp.: FL.

Property Types:

Multifamily (5+ Units), Mixed-Use, Office, Retail, Warehouse, Self-Storage, Automotive Services, 1 to 4 Family True Investment Properties. 

Minimum Credit Scores:

640 Minimum Middle FICO Score. 

Loan To Value:

Up to 75% Loan To Value (LTV). 

Up to 80% Combined Loan To Value (CLTV).

Rates & Terms:

(Program Option #1):  3 Year Fixed Rate, 30 Year Amortization, 30 Year Term.

(Program Option #2): 8 Year Fixed Rate, 30 Year Amortization, 30 Year Term.

We Offer The Most Competitive Rates In the Industry.

1st Access Capital Advantages:

No Income Verification, No Debt Service Coverage Ratio (DSCR), 30 Year Loan Term/30 Year Amortization, Closings In As Little As 2 to 3 Weeks, Loan Does Not Show Up On Your Personal Credit Report (Unless you are in default), Very Competitive Rates. 

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