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Micro Equity Series™ Commercial Mortgages

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Commercial Mortgage Loans
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Micro Equity Series Commercial Loan Program Overview

The Micro Equity Series™ is a small commercial loan program targeted towards borrowers that are unable to qualify for bank financing due to being self employed and not showing enough income on their tax returns or for borrowers with low credit scores. Rates are higher than traditional bank rates, but lower than hard equity rates.
  • Great option for borrowers unable to obtain traditional bank financing
  • Perfect for self employed borrower
  • 25-yr fully fixed rates / no balloons / no resets
  • 3-4 week closings
  • Exception based underwriting

Micro Equity Series Program Guidelines

  • Commercial loans from $100,000 - $1,000,000
  • 15, 20 and 25 year terms
  • Up to 70% LTV for purchases
  • 600 minimum credit score
  • Exception based underwriting guidelines
  • 25-year fully fixed rate terms
  • No balloons or interest rate resets or adjustments
  • Owner occupied or investor properties
  • Declining percentage prepay
Eligible Property Types
  • Apartment Building Mortgages
  • Mixed-Use Mortgages
  • Office Mortgages
  • Retail Mortgages
  • Hair Salon Mortgages
  • Funeral Home Mortgages
  • Warehouse Mortgages
  • Daycare Mortgages
  • Hotel / Motel Mortgages
  • Auto Repair Mortgages (owner-user only)
  • Strip Center Mortgages
  • Grocery Store Mortgages
Ineligible Property Types
No environmentally sensitive industries, dance/night clubs, nursing home, houses of worship, land, construction, gas stations, car washes.
Ineligible Markets
Available in 42 states. States not eligible include,  Alaska, Alabama, Hawaii, Michigan, Nevada, North Dakota, Vermont, West Virginia and several counties in California (LA, Orange, Riverside - Call).
Documents Required to Determine Eligibility
  • Completed 1003 or detailed loan request summary
  • Personal financial statement
  • Copy of credit report
  • Subject property operating statements
  • Rent roll (if applicable)
  • Digital photos
Micro Equity Series Provides
  • Commercial mortgages for self employed borrowers
  • Commercial mortgages for individuals with bad credit (600 minimum score)
  • Small commercial mortgages for multiple property types
  • Commercial mortgages without tax returns
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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. Commercial loans for bad credit sponsors may be eligible for financing under an equity based commercial real estate loan program.