HARBORWEST HAS EXPANDED OUR
TRIPLE NET (NNN) FINANCING PROGRAM!
Please contact our Production Team for more details on rate discounts for NNN properties.
MULTIFAMILY LENDING
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5+ Unit Property Financing
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West Coast & Nationwide Programs
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Maximum 80% Loan-to-Value (LTV)
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Nationwide Lending $1,000,000+
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California Lending $500,000+
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Competitive & Flexible Programs
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Complimentary Loan Quotes
OWNER-USER LENDING
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Owner-Occupied Financing
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West Coast & Nationwide Programs
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Maximum 90% Loan-to-Value (LTV)
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Nationwide Lending $1,000,000+
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SBA & Conventional Options
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Improvements & Equipment Loans
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Complimentary Loan Quotes
COMMERCIAL LENDING
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Core Commercial Financing
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West Coast & Nationwide Programs
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Maximum 75% Loan-to-Value (LTV)
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Nationwide Lending $1,000,000+
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California Lending $500,000+
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Competitive & Flexible Programs
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Complimentary Loan Quotes
LENDER PARTNERS
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Banking Institutions
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CMBS Conduit Lenders
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Life Insurance Companies
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Fannie Mae, Freddie Mac, FHA
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SBA Small Business Loans
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Private Individual Investors
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Private Investment Groups
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Mortgage Debt Funds
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Commercial Mortgage REITs
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Chartered Credit Unions
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Marketplace Crowdfunding
PROPERTY TYPES
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Multifamily (5+ Units)
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Office Buildings & Parks
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Industrial and Flex Buildings
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Retail Investment Properties
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NNN Investment Properties
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Mixed-Use Developments
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Self-Storage Facilities
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Mobile Home Parks
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Hotels (Flagged and Boutique)
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Special Purpose Properties
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Single-Family Portfolios
TRANSACTION TYPES
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Long-Term Perm Financing
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Short-Term Bridge Financing
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Value-Add Rehab Strategies
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1031 Exchange Transactions
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Ground-Up Construction
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SBA Business Real Estate
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Cash-Out Refinances
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Commercial Lines of Credit
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Delayed Purchase Loans
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NNN 100% Construction Loans
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Single-Family Portfolio Lending
MULTIFAMILY
MULTIFAMILY LOAN PROGRAMS
LENDING AREA
Nationwide, with preferred programs for Western states
LOAN AMOUNT
$1,000,000 and up; $500,000 and above in California
MAXIMUM LTV
80% maximum loan-to-value, based on risk and cash flow
FIXED RATES
Starting at 5.37% and above (updated weekly)
AMORTIZATION
30-year amortization standard
RECOURSE
Non-recourse available
PREPAYMENT
Ranging from none to yield maintenance, stepdown standard
UNDERWRITING
Starting at a 1.15x debt service ratio (DSCR)
LOAN POINTS
1.00% origination fee
CONDITIONS
Based on in-place rents, unless bridge/rehab scenario
LOAN NOTES
I/O available, earn-outs available, typically assumable
TOP PROGRAMS
Freddie Mac SBL, Banking Institutions, Private Bridge
COMMERCIAL
COMMERCIAL LOAN PROGRAMS
LENDING AREA
Nationwide, with preferred programs for Western states
LOAN AMOUNT
$1,000,000 and up; $500,000 and above in California
MAXIMUM LTV
75% maximum loan-to-value, based on risk and cash flow
FIXED RATES
Starting at 5.65% and above (updated weekly)
AMORTIZATION
30-year amortization available, 25-year standard
RECOURSE
Non-recourse available
PREPAYMENT
Ranging from none to yield maintenance, stepdown standard
UNDERWRITING
Starting at a 1.20x debt service ratio (DSCR)
LOAN POINTS
1.00% origination fee
CONDITIONS
80% occupancy required, unless bridge/rehab scenario
LOAN NOTES
Reserves likely required, typically assumable
TOP PROGRAMS
Life Company, Debt Fund, Banking Institutions
OWNER-USER
OWNER-USER LOAN PROGRAMS
LENDING AREA
Nationwide, with preferred programs for Western states
LOAN AMOUNT
$1,000,000 and up; $500,000 and above in California
MAXIMUM LTV
90% maximum loan-to-value, based on business cash flow
FIXED RATES
Starting at 5.60% and above (updated weekly)
AMORTIZATION
25-year amortization standard
RECOURSE
Recourse
PREPAYMENT
Stepdown prepayment penalty
UNDERWRITING
Starting at a 1.25x debt service ratio (DSCR)
LOAN POINTS
1.00% origination fee
CONDITIONS
Special purpose properties limited to 85% LTV maximum
LOAN NOTES
Building improvements and equipment can also be financed
TOP PROGRAMS
SBA 504, SBA 7a, Banking Institutions
TRIPLE NET
TRIPLE NET LOAN PROGRAMS
LENDING AREA
Nationwide, with preferred programs for Western states
LOAN AMOUNT
$1,000,000 and up; $500,000 and above in California
MAXIMUM LTV
75% maximum loan-to-value, based on risk and cash flow
FIXED RATES
Starting at 5.61% and above (updated weekly)
AMORTIZATION
30-year amortization for credit tenants, 25-years otherwise
RECOURSE
Non-recourse or partial recourse available
PREPAYMENT
No prepay penalty commonly available, stepdown otherwise
UNDERWRITING
Starting at a 1.25x debt service ratio (DSCR)
LOAN POINTS
1.00% origination fee
CONDITIONS
10+ years lease term remaining for top program qualification
LOAN NOTES
Rate discounts available for top credit tenancy
TOP PROGRAMS
Credit Unions, Banking Institutions, Debt Fund
THIS WEEK'S FEATURED LENDERS
