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MULTIFAMILY LENDING

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  • 5+ Unit Property Financing

  • West Coast & Nationwide Programs

  • Maximum 80% Loan-to-Value (LTV)

  • Nationwide Lending $1,000,000+

  • California Lending $500,000+

  • Competitive & Flexible Programs

  • Complimentary Loan Quotes

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COMMERCIAL LENDING

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  • Core Commercial Financing

  • West Coast & Nationwide Programs

  • Maximum 75% Loan-to-Value (LTV)

  • Nationwide Lending $1,000,000+

  • California Lending $500,000+

  • Competitive & Flexible Programs

  • Complimentary Loan Quotes

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OWNER-USER LENDING

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  • Owner-Occupied Financing

  • West Coast & Nationwide Programs

  • Maximum 90% Loan-to-Value (LTV)

  • Nationwide Lending $500,000+

  • SBA & Conventional  Options

  • Improvements & Equipment Loans

  • Complimentary Loan Quotes

LENDER PARTNERS

  • Banking Institutions

  • CMBS Conduit Lenders

  • Life Insurance Companies

  • Fannie Mae, Freddie Mac, FHA

  • SBA Small Business Loans

  • Private Individual Investors

  • Private Investment Groups

  • Mortgage Debt Funds

  • Commercial Mortgage REITs

  • Chartered Credit Unions

  • Marketplace Crowdfunding

PROPERTY TYPES

  • Multifamily (5+ Units) 

  • Office Buildings & Parks

  • Industrial and Flex Buildings

  • Retail Investment Properties

  • NNN Investment Properties

  • Mixed-Use Developments

  • Self-Storage Facilities

  • Mobile Home Parks

  • Hotels (Flagged and Boutique)

  • Special Purpose Properties

  • Single-Family Portfolios

TRANSACTION TYPES

  • Long-Term Perm Financing

  • Short-Term Bridge Financing

  • Value-Add Rehab Strategies

  • 1031 Exchange Transactions

  • Ground-Up Construction

  • SBA Business Real Estate

  • Cash-Out Refinances

  • Commercial Lines of Credit

  • Delayed Purchase Loans

  • NNN 100% Construction Loans

  • Single-Family Portfolio Lending

MULTIFAMILY

MULTIFAMILY LOAN PROGRAMS

LENDING AREA

Nationwide, with preferred programs for Western states

LOAN AMOUNT

$1,000,000 and up; $350,000 and above in California

MAXIMUM LTV

80% maximum loan-to-value, based on risk and cash flow

FIXED RATES

Starting at 2.95% and above (updated weekly)

AMORTIZATION

30-year amortization standard

RECOURSE

Non-recourse available

PREPAYMENT

Ranging from none to yield maintenance, stepdown standard

UNDERWRITING

Starting at a 1.15x debt service ratio (DSCR)

LOAN POINTS

1.00% origination fee

CONDITIONS

Based on in-place rents, unless bridge/rehab scenario

LOAN NOTES

I/O available, earn-outs available, typically assumable

TOP PROGRAMS

Freddie Mac SBL, Banking Institutions, Private Bridge

COMMERCIAL

COMMERCIAL LOAN PROGRAMS

LENDING AREA

Nationwide, with preferred programs for Western states

LOAN AMOUNT

$1,000,000 and up; $500,000 and above in California

MAXIMUM LTV

75% maximum loan-to-value, based on risk and cash flow

FIXED RATES

Starting at 3.25% and above (updated weekly)

AMORTIZATION

30-year amortization available, 25-year standard

RECOURSE

Non-recourse available

PREPAYMENT

Ranging from none to yield maintenance, stepdown standard

UNDERWRITING

Starting at a 1.20x debt service ratio (DSCR)

LOAN POINTS

1.00% origination fee

CONDITIONS

80% occupancy required, unless bridge/rehab scenario

LOAN NOTES

Reserves likely required, typically assumable

TOP PROGRAMS

Life Company, Debt Fund, Banking Institutions

OWNER-USER

OWNER-USER LOAN PROGRAMS

LENDING AREA

Nationwide, with preferred programs for Western states

LOAN AMOUNT

$500,000 and up nationwide

MAXIMUM LTV

90% maximum loan-to-value, based on business cash flow

FIXED RATES

Starting at 2.55% and above (updated weekly)

AMORTIZATION

25-year amortization standard

RECOURSE

Recourse

PREPAYMENT

Stepdown prepayment penalty

UNDERWRITING

Starting at a 1.25x debt service ratio (DSCR)

LOAN POINTS

1.00% origination fee

CONDITIONS

Special purpose properties limited to 85% LTV maximum

LOAN NOTES

Building improvements and equipment can also be financed

TOP PROGRAMS

SBA 504, SBA 7a, Banking Institutions

THIS WEEK'S FEATURED LENDERS

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LET'S GET STARTED.

BROKER INTRODUCTION CALL

  • Review Your Scenario & Process

  • Identify Goals & Discover Hurdles

  • Answer Client Questions & Concerns

HARBORWEST DUE DILIGENCE

  • Collect Any Relevant Documentation

  • Provide Loan Analysis & Feedback

  • Assemble Strategic Lender Package

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COMPLIMENTARY LOAN QUOTES

  • Managed Lender Bid Process

  • Negotiate Best Rates & Terms

  • Presentation of Best Loan Options

The HarborWest Commercial Lending team maintains long-standing relationships with over 275 different commercial real estate lenders active in the market. We are also always on the forefront of new programs and lenders entering the market, in order to provide the exclusive access, most valuable analysis and very best rates and terms to our clients. Combined with our extensive experience in transaction management, we are proud to be the West Coast's select commercial mortgage brokerage.

THE HARBORWEST ADVANTAGE