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21707 Hawthorne Blvd. Ste 107
Torrance, CA 90503
(310) 800 - 7004
(213) 706 - 5848
Commercial
Loans
Open Deal
(Searching for Lenders)
- Financing Requested: $2,500,000
- Purpose: Refinance & Cash Out
- Retail Strip Mall in Lomita, CA
- Recent renovation
Borrower's Highlights
- Up to 50% LTV
- Prime location with heavy traffic / major streets
- Stable rental cash flow from the subject property
- Ample net worth of the guarantors
Open Deal
(Searching for Lenders)
- Financing Requested: $2,000,000
- Purpose: Refinance & Cash Out
- Office Building in Long Beach, CA
Borrower's Highlights
- Below 50% LTV
- Stable rental cash flow from the subject property
- Tenant's longevity (Avg 9 Yrs)
- Ample net worth of the guarantors
Open Deal
(Searching for Lenders)
- Financing Requested: $1,200,000
- Purpose: Refinance
- Rate: TBD
Borrower's Highlights
- Below 50% LTV
- Prime location with heavy traffic / major streets
- Stable cash flow from guarantor's other business.
Funded
- Financing Requested: $430,000
- Purpose: Business Purchae
- Prime Rate + 2%
- 30% Down Payment
Borrower's Highlights
- Business experience in the food service business
- Satisfactory cash flow from the subject business
- Prime location of the business
- Business longevity (over 30 years)
- Financing Requested: $1,000,000
- Purpose: Refinance & Cash Out
- Property Type: Petroleum Property (Leased Fee Estate)
- Target Rate: Fixed Rate 4.00%
- Focus: Lowest Rate / Max Cash out
Funded
Borrower's Highlights
- Max 60% Loan to Value (with Cash Out)
- Satisfactory cash flow (DSCR 1.50x based on the rental cash flow)
- Prime location of the subject property
- Tenant's longevity (over 10 years at the same location)
- Financing Requested: $1,200,000
- Purpose: Purchase
- Property Type: Industrial Condo
- Target Rate: 3.50%
- Focus: Lowest Rate
Funded
Borrower's Highlights
- Ample net worth of the guarantor (over 10mil)
- Satisfactory cash flow based on the pro-forma rental cash flow
- Tenant's business recently acquired by a public company
- Tenant's longevity at the same location (over 20 years)
Result:
Interest Rate: 3.19% Fixed for 10 Years
Highlights:
70% Financing
Approved based on Pro-Forma Cash Flow
Soft Prepayment Penalty (To be waived in case of sale of the property)
- Financing Requested: $1,000,000
- Purpose: Refinance
- Property Type: Retail Property
- Target Rate: Fixed Rate below 4.00%
- Non-Recourse
Funded
Result:
Interest Rate: 3.875% Fixed for 5 years
Highlights:
No personal guarantee
Soft Prepayment Penalty
Borrower's Highlights
- 35% Loan to Value
- Excellent Rental Cash Flow (DSCR: 2.00 x)
- Prime location of the subject property
- Tenant's longevity (over 15 years at the same location)
- Financing Requested: $2,300,000
- Purpose: Purchase (70% Financing - SBA)
- Property Type: Flex Building (Warehouse/Office)
- Target Rate: Fixed Rate below 3.75%
Funded
Result:
Interest Rate: 3.65% for 25 Years
Term: 25 Years
Loan Fee: SBA Guaranty Fee Waived
Highlights: 25-year Fixed Rate
Borrower's Highlights
- To be occupied for the owner's business
- Excellent business cash flow (DSCR 3.25 x)
- Guarantor's Ample Net Worth (well over $10mil)
- Financing Requested: $1,600,000
- Purpose: Refinance
- Property Type: 8-Unit Apartment in Long Beach, CA
- Target Rate: 7-Yr Fixed rate below 3.25%
Funded
Result:
Interest Rate: 2.950% Fixed for 5 Years
Term: 5 Yrs Due / 30 Yrs Amortization
Loan Fee: 0.50%
Highlights: Pre-payment penalty to be waived in case of sale.
Borrower's Highlights
- Estimated Loan to Value below 60%
- Stabilized Rental Cash Flow (3-Yr Average DCR 1.40 x)
- Ample net worth of guarantor
Funded
- Financing Requested: $1,500,000
- Purpose: Refinance
- Property Type: Owner-Occupied
- Target Rate: 7-Yr Fixed rate below 4.50%
Highlights
- Estimated Loan to Value below 60%
- Stabilized cash flow (3-Yr Average DCR 2.35 x)
- Established Business (over 15 years) / Ample net worth of guarantor
Funded
- Financing Requested: $3,500,000
- Purpose: Refinance and Cash-Out
- Property Type: Motel
- Target Rate: Fixed rate below 5.50%
Highlights
- Estimated Loan to Value below 60%
- Stabilized cash flow (3-Yr Average DCR 1.35 x)
- Ample net worth of guarantor (Over $18 million net worth)
Funded
- Financing Requested: $3,000,000
- Purpose: Refinance of the existing mortgage
- Property Type: Class B Office Building
- Target Rate: Fixed rate below 4.50%
Highlights
- 50% Loan to Value
- Stabilized rental cash flow from the subject property
- Over 90% Occupancy Rate and Debt coverage ratio 2.63 x
Funded
- Financing Requested: $2,500,000
- Purpose: Purchase of Warehouse
- Property Type: Flex - Light Manufacturing
- Target Rate: Fixed rate below 5%
Highlights
- 65% Loan to Purchase
- Excellent cash flow from the borrower's business (Combined DCR 2.8 x)
- Over 90% Occupancy Rate and Debt coverage Ratio 1.7 x
Funded
- Financing Requested: $1,100,000
- Purpose: Purchase of Mobile Home Park & 8-Unit Apt in Henderson, NV
- Property Type: Mobile Home Park & Multi-Family
- Target Rate: Fixed rate below 5.50%
Highlights
- 45% Down Payment
- Stabilized rental cash flow from the subject property
- Debt coverage ratio 2.3 x
Funded
- Financing Requested: $4,300,000
- Purpose: Refinance & Cash Out
- Property Type: 25-Unit Multi Family
- Target Rate: Fixed rate below 4.25%
Highlights
- Loan amt not to exceed 60% LTV
- Stabilized rental cash flow from the subject property
- Guarantors' ample net worth and strong cash flow
Funded
- Financing Requested: $1,300,000
- Purpose: Purchase of Commercial Property in Anaheim, CA
- Property Type: Industrial Building
- Target Rate: Fixed rate below 5.00%
Highlights
- 50% Down Payment
- Seller's leaseback for 10 years
- Borrower's strong cash flow and high net worth
Funded
- Financing Reqquested: $660,000
- Purpose: Purchase of Commercial Property in Pomona, CA (1031 Exchange)
- Property Type: 4-Unit Retail Building
- Target Rate: Below 6%
Highlights
- 60% Down Payment
- 75% occupancy
- Borrower's strong income source from other business
Funded
- Financing Requested: $350,000
- Purpose: Cash out from the equity (2nd Deed of Trust)
- Property Type: 8-unit Apt in Koreatown
- Target Rate: within two weeks and under 10%
Highlights
- Below 60% Combined Loan to Value
- 100% occupancy
- Property is currently on the market for sale and the loan will be paid off at COE.
Funded
- Financing Requested: $470,000
- Purpose: Refinance of the existing mortgage
- Property Type: Hotel
- Target Rate: below 6% Fixed Rate for 5 years
Highlights
- Below 40% Loan to Combined Value
- Stabilized cash flow
- Excellent payment history for over 15 years
- Guarantor's ample net worth
Funded
- Financing Requested: $9,000,000
- Purpose: Note Purchase Financing
(through Private Money Lenders)
- Property Type: Multiple Properties (11 Properties)
- Target Rate: below 10% for 18 months
Highlights
- Below 30% Loan to Combined Value
- Ample net worth of the borrower
- Note is secured by Deed of Trust which is 50% LTV
- Seasonsed real estate investor
Funded
Interest Rate: 5.675 Fixed for 5 Yrs
Term: 5 Yrs Due / 25 Yrs Amortization
Fee: 0.50%
Prepayment Penalty to be waived in case of sale.
- Financing Requested: $1,400,000
- Purpose: Refinance of the existing Mortgage Plus Cash Out
- Property Type: Motel
- Target Rate: below 5.75% fixed rate for minimum 5 years / 25 years
Highlights
- Below 55% Loan to Value
- Historically proven cash flow to service the debt
- Prime location in South Bay
- Financing Requested: $2,700,000
- Purpose: Purchase of Multi-Family Property
- 15-Unit Apartment
- Target Rate: below 5% fixed rate for minimum 7 years / 25 years
Closed
Highlights
- 35% Down Payment of Total Purchase Price
- 100% Occupancy
- Potential to improve cash flow
- Prime location in K Town
Withdrawal by the Client
(July 2018)
- Financing Requested: $2,300,000
- Purpose: Purchase of Business and Rental Property
- Partial Owner Occupied and Rental Property
- Target Rate: below 6% fixed rate for minimum 7 years / 25 years
Highlights
- 35% Down Payment of Total Purchase Price
- Guarantor's extensive experience in the same industry
- Satisfactory business cash flow
- Business longevity at the same location (over 20 years)
- Financing Required: $1,260,000
- Purpose: Purchase of Industrial Building
- Warehouse Property for owner-user
- Target Rate: below 5% fixed rate for minimum 7 years / 25 years
Funded
Result:
Interest Rate: 5.06% Fixed for 10 Years
Term: 10 Yrs Due / 25 Yrs Amortization
Loan Fee: NA
Highlights: Appraisal fee paid by the lender
Highlights
- 40% Down Payment + Additional Capital injection for the property improvement.
- Guarantor's satisfactory credit history
- Satisfactory business cash flow
- Proven history of business operation (over 15 years)
Funded
Result:
Interest Rate: 5.50% fixed for 3 years and Prime + 1% for the remaining 2 years
Term: 5 Yrs Due / 25 Yrs Amortization
Loan Fee: 1.00%
Highlights: Pre-payment penalty to be waived in case of sale.
- Financing Required: $470,000
- Purpose: Refinance and Consolidation of the existing mortgage
- Mixed Use Property (Rental Property)
- Target Rate: 5.75% Fixed Rate for 3 years and Variable for 2 Years
Highlights
- Lower than 60% LTV
- Guarantor's satisfactory credit history
- Satisfactory rental cash flow
- Excellent payment history with the existing lender for the past 10 years
- Additional collateral of the borrower's house
Weaknesses
- Weak personal cash flow due to other investment properties.
Funded
Result:
Interest Rate: 4.25% Fixed for 5 Years
Term: 5 Yrs Due / 25 Yrs Amortization
Loan Fee: 1.00%
Highlights: Pre-payment penalty to be waived in case of sale.
- Financing Required: $4,700,000
- Purpose: Purchase of industrial building
- Owner Occupied / Rental
- Target Rate: 4.75% Fixed Rate for 5 years and Variable for 2 Years
Highlights
- 65% LTP
- Satisfactory cash flow from the operating company
- Excellent credit history
- Ample net worth of the guarantors
- Additional collateral on the operating company
Funded
Result:
Interest Rate: 5.50% Fixed for 5 Years
Term: 5 Yrs Due / 25 Yrs Amortization
Loan Fee: 1.00%
Highlights: Pre-payment penalty to be waived in case of sale.
- Financing Required: $1,000,000
- Purpose: Refinance of the existing Hard-Money loan
- Owner occupied property + Rental Units
- Target Rate: 5.5% Fixed Rate for 5 years
Highlights
- Owner occupied property and the owner has recently opened additional store.
- The owner has operated same type of business for over 10 years
- Satisfactory cash flow from the subject business
- Loan to value less than 60%
- Excellent condition of the property (Recently rehabbed)
Withdrawal by the Client
- Financing Required: $1,250,000
- Purpose: Refinance of the existing SBA loans to reduce the monthly payment
- Coin laundry property and business
- Target Rate: Below 5% Fixed Rate for 5 Yrs Term
Highlights
- Owner occupied property and same owner has operated coin laundry for over 10 years
- Additional collateral of the guarantor's other business
- Satisfactory cash flow fromthe subject business
Funded
Result:
Interest Rate: 4.375% Fixed for 5 Years
Term: 5 Yrs Due / 25 Yrs Amortization
Loan Fee: 0.75%
Highlights: Pre-payment penalty to be waived in case of sale.
- Financing Required: $2,500,000
- Purpose: Refinance of the existing mortgage
- Retail Shopping Center with Anchor Tenants
- Target Rate: Below 4.375% Fixed Rate for Minimum of 5 Years
- Minimum cost of refinance due to the existing 1% Prepayment Penalty
Highlights
- Anchor Tenants - KFC and Rite Aid
- 100% Occupancy
- lower than 50% loan to value
- Guarantor's ample net worth with strong liquidity
Funded
Result:
Interest Rate: 4.70% Fixed for 5 Years
Term: 7 Yrs Due / 25 Yrs Amortization
Loan Fee: 0.50%
Highlights: Pre-payment penalty to be waived in case of sale.
- Financing Required: $1,200,000
- Purpose: Purchase of office building in Orange County, CA
- Retail and Office Building (11 Units with 7,936 SF of Leasable Space)
- Most of tenants are on Month-to-Month contract
Highlights
- Over 100% occupancy based on leasable space
- Sufficient cash flow (Current DCR is well over 1.30 x)
- Guarantors extensive experience in the property management
- 60% Loan to Value based on the appraisal value
Funded
Result:
Interest Rate: 4.375% Fixed for 7 Years
Term: 30 Years
Loan Fee: 0.25%
Highlights: Loan is assumable
- Financing Amount: $1,800,000
- Purpose: Conversion of construction loan to permanent financing
- Target Rate: Below 4.375% Fixed Rate for Minimum of 7 Years
Highlights
- 58% Loan to Value
- 85% of units are under lease contract
- Prime location of the property and satisfactory pro-forma cash flow
- Guarantors' extensive experience in the management of multi-unit residential properties
- Financing Amount: $650,000
- Purpose: Refinance of the existing mortgage and cash out
- Retail Shopping Center in Gardena, CA
- Target Rate: Below 4.75% Fixed Rate for Minimum 5 Yrs Term
Funded
Result:
Interest Rate: 4.45% Fixed for 5 Years
Term: 5 Yrs Due / 25 Yrs Amortization
Loan Fee: None
Highlights: Prepayment Penalty to be waived in case of sale.
Highlights
- Over 100% occupancy for over 10 years
- Stabilized cash flow as the tenants has operated business for over 10 years
- 50% Loan to Value
Funded
- Financing Amount: $845,000
- Purpose: Purchase of 6-Unit Apartment in Huntington Park, CA
- Target Interest Rate: below 4.50% Fixed Rate for minimum 5 yrs term.
Highlights
- 100% Occupancy
- Loan to Purchase 60%
- Satisfactory cash flow (Historical DCR: 1.27 x)
- Low LTV (based on the previous appraisal value)
Result:
Interest Rate: 4.45% Fixed for 5 Years
Term: 30 Years
Loan Fee: None
Highlights: Loan is assumable and No Loan Fee
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