Commercial Loans
Small Balance Commercial
MAXIMUM LOAN AMOUNT: $2,000,000 UP TO 80 LTV
✅ Min. Loan of $100,000
✅ Purchase, Cash Out, R/T Refinance
✅ 5-YR ARM, 15, 25, 30 YR Fixed
✅ Property DSCR down to 1.15x (Investor) 1.20x (Owner)
✅ Loan DSCR down to 1
✅ Max 25 properties per blanket loan
✅Pre-pays: 5% for 10, 7, 5, or 3 Years Declining 5%, 4%, 3%, 2%, 1%
Eligibility
✅ Multifamily, Mixed-Use, Retail, Office, Light Industrial, Automotive, Mobile Home Park, Warehouse, Self-Storage, Restaurant/Bar, Daycare Center
✅ No rural properties
✅ Stabilized properties only (75% occupancy with no rehab or deferred maintenance)
Eligible States:
All except ID, HI, MI, MT, ND, NV, SD, VT, WV, WY
Testimonials
NMLS ID #1416824
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS# 1416824. Equal Housing Lender
(NMLS consumer access: https://www.nmlsconsumeraccess.org/_)