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Lending Options, Investment Goals
The Simplified Commercial Lending Team has the experience to find the best rates and terms for your commercial mortgage or business financing needs for multiple investment properties.
Our Loan Process Simplified
We offer simplified commercial lending services across the full spectrum of investment properties such as Single Family, Multi-Family, Self Storage, Retail Shopping, Hotels, Bars, Restaurants and more!
The Different Types Of Loans Options
At Simplified Commercial Lending, we may provide several types of no-doc mortgages, each with its own requirements.
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We offer No-Doc Lending
The full spectrum of investment properties is covered by our simple commercial lending services, including Single-Family, Multi-Family, Self-Storage, Retail Shopping, Hotels, Bars, Restaurants, and more.
Frequently Asked. Questions
We have listed the common questions with our no-doc lending services. If you’d like to connect with us, give us a call at 512-640-7851.
Yes, our loans are asset based loans, meaning we base the loan approval based on the cash flow of the property, not the owners income or employment.
Yes, title can be vested in the name of an Entity that you control.
No problem – There is no debt-to-income ratio. Our loans are based on the properties cashflow and the properties net operating income.
We are fortunate to offer loan programs to people with great credit, less than perfect credit, and even people who have had a recent bankruptcy or credit speedbump.
Yes, the equity in your property is your money, and we will put it in your hands.
We lend in all 50 states of the United States of America.
The maximum loan to value is different for each type of property, credit score, and property location. Give us a call, let’s discuss your specific scenario. We will surprise you, and you’ll be glad you called!
Yes, we offer portfolio loans where multiple properties can be combined into one loan.
Yes, we specialize in renovation loans for rental homes, multi-family, and commercial properties.
Bank loans are insured by the FDIC (federal depository insurance corporation), have strict underwriting guidelines and have strict documentation requirements. Wall Street lending is more focused on the asset, and the income it derives. Tax returns are a government game that wallstreet does not play, making the loan process simplier, and easier.
We lend on single family, duplex, triplex, fourplex, multi-family, light industrial, warehouse, office, self-storage, bars, restaurants, hotel and senior living facilities.
Yes, we have programs for foreign nationals, permanent resident aliens, and people who are ex-patriots.
The down payment is dependent upon the property type, the borrows credit score, and investors experience. We do offer up to 100% loan to value, depending on the above mentioned criteria.
We charge an origination fee, processing fee, and all 3rd party fee’s such as title appraisal, etc.
Yes, we offer loans from a 350 credit score and up. We will find the best loan that fits your property and credit criteria to offer you the lowest rate in the market.
We can close a loan in as few as 7 days, but it is dependent on the property, location, and whether or not an appraisal is required.
Yes, we offer ground-up construction for single family investment properties, and commercial projects from $300K to 250 Million. If there is a land purchase involved – we require plans, bid, draw schedule, and permits to be in place before closing.
No, raw land is a liability and does not produce income. We only lend on improved real estate that has potential cash flow.
Yes, we are fortunate to be one of the few investors in the country that have loan programs specifically for short term rentals like AirBnB and VRBO. Instead of using traditional rent comparable, we use Air DNA that provides rent comparibles for every property in the United States.
Yes, we are fortunate to have a program that does not require rent comparable, or debt service coverage ratio for luxury homes and vacation rentals.
We offer both bridge, or short-term loans, and long-term loans for 30 or 40 year ammortization.
Yes, many of the investors we serve like having interest-only because it increases their cashflow and allows them to qualify for a higher loan amount.
Yes, many of the investors we serve like having interest-only because it increases their cashflow and allows them to qualify for a higher loan amount.
We are fortunate to offer a cash out refinance using appraised value once you have been on title for 30 days.
Our maximum loan to value is 100% but it is depending on property type, investment experience, and credit score.
An adjustable rate mortgage is a loan that generally has a 30 year amortization where the interest rate is fixed for 3,5,7 or 10 years. Many of our investors choose an amortization because they know they will not keep the loan for 30 years, and will either sell the property or refinance to pull more cash to expand their real estate portfolio.
An asset-based loan is a loan on improved real estate where the loan approval is based on the property and the properties income, instead of the borrower’s income and employement.
Yes, we offer several variations of the SBA program. Please call us for details 512-640-7851.
Sometimes they do, but it depends on the investor that is funding the loan. Your credit report is compiled of consumer debt. Since we are a commercial lending and provide business purpose loans, many times they do not appear in your credit report or incumber your consumer ability to borrow.
We lend on single family, duplex, triplex, fourplex, multi-family, light industrial, warehouse, office, self-storage, bars, restaurants, hotel and senior living facilities.
Yes, some of the loans we offer are non-recourse.
People choose commercial loans over traditional mortgages for rental homes because they do not appear in the credit report, and cloud their ability to borrow for consumer needs, there’s no proof of income or employment, or government interference.
Commercial Lending, Simplified...
Our access to national and local lending resources and private equity investors is continually expanding to provide more resources to get your deal done.
