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Flex Series™ Underwriting Guidelines

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Commercial Mortgage Loans
Been Declined
Small Commercial Loans
Crefcoa can help. Our Micro Equity Series program provides commercial mortgages for self employed borrowers or borrowers with credit challenges.

Flex Series Underwriting Guidelines

Flex-Series™ is a non-conforming commercial loan program offering borrowers fast, flexible commercial financing. The following guidelines are based on the full document, owner-occupied commercial loan program option.
General Terms and Conditions  
  • Loan sizes $500,000 - $15,000,000
  • Traditional and non-traditional properties
  • 20, 25 and 30 year amortizations
  • Up to 90% LTV for purchases (SBA 504)
  • Cash out refinances up to 70% LTV
  • Owner occupied or investor properties
  • Full and reduced document option
  • 2, 5, 7, and 10 year fixed rate terms
  • Up to 75% LTV for debt refinances
  • Step down prepayment premium
Eligible Property Types
  • Office Building
  • Retail (anchor, unanchored and shadow)
  • Office Condominiums
  • Self Storage
  • Medical
  • Dental Office
  • Auto Repair / Auto Body
  • Day Care / Vocational School
  • Warehouse
  • Mixed-Use Commercial/Residential
  • Light Industrial
  • Professional Centers
  • Strip Center
  • Restaurant (Non-Franchised)
  • Convenience Store (No Gas)
  • Strip Center
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Disclosure: Commercial mortgage loan program availability may vary depending on property type, state, population, economic conditions, exposure, and other variables that may negatively influence risk. Program rates, terms, and conditions are subject to change without notice. Visit Crefcoa commercial loan home page to learn more about our commercial real estate financing and apartment financing programs. 90% commercial financing available in select markets for owner operator properties through the SBA 504 program.