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Our Financing Process

Steps in Mortgage Transaction

  1. Receive Request / Initial Conversation with Borrower(s).

  2. Collect all Transaction Documents Due Diligence / Feasibility Study (Market Analysis, Financial Analysis, Project/Property Analysis, Environmental Analysis.)

  3. Underwrite / Package Transaction

  4. Forward Transaction to Appropriate Lender.

  5. Receive Letter of Intent (LOI)

  6. Appraisal / Lender's Due Diligence

  7. Commitment Letter (CL) from Lender.

  8. Review CL with Borrower and Negotiate Transaction Terms.

  9. Close Transaction.

Types of Financing

  • Purchase + Improvements

  • Refinance

  • Transfer/Switch

  • Bridge Financing

  • Blanket / Inter Alia 

  • HELOC

  • Renovation / Improvement 

  • Equity Take-Out

  • Land Development 

  • Construction

  • Buy/Lease Equipment 

Typical Transaction Terms

  • Loan to Value (LTV)

  • Dept Service Coverage Ratio (DSCR)

  • Net Operative Income (NOI)

  • Cash Flows

  • Cap Rate 

  • Return on Investment (ROI)

  • Net Present Value (NPV)

  • Internal Rate of Return (IRR) 

  • Amortization

  • Equity

  • Mortgage Payment (Principal + Interest)

  • Compounding Period

  • Total Dept Services Ratio (TDSR)

  • Gross Dept Services Ratio (GDSR)

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