When it comes to commercial loans, qualifying based on rental income is a key consideration. Lenders often evaluate the potential rental revenue generated by a property to determine the borrower's eligibility. This approach allows them to assess the property's income-generating capability and the borrower's ability to repay the loan. Additionally, commercial loans also cater to borrowers who may not meet the traditional qualifying standards, known as non-qualified mortgages (non-QM). This type of loan caters to individuals who have unconventional income sources, irregular employment history, or unique financial circumstances. By extending flexible lending options, commercial loans enable borrowers to secure funding and pursue their entrepreneurial ambitions. The professional tone ensures that lending decisions are based on a well-informed analysis of rental income potential and a borrower's unique financial profile.
Term 30 Year Fixed or ARM
Loan Amount $100,000 to 2,000,000
LTV Up to 80%
Minimum Credit 650 Fico Score
Purpose Purchase, Refinance, Cash Outs
Property Types Multifamily, Mixed-Used, Retail, Warehouse/Self-Storage, Office, Light
Industrial, Automotive, Mobile Home Park, Restaurants, Bars, and Daycare
Centers
Alpha Capital Financial LLC arranges business purpose loans in AK, AL, AR, CO, CT, DC, DE, FL, GA, HI, IA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NH, NM, OH, OK, PA, RI, SC, TN, TX, VA, WA, WI, WV, WY. Program availability and terms may vary.
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