Commercial Real Estate Division

Commercial Hard Money

Synergy Capital Markets Ventures Hard Money Loan Program Guidelines:

Eligible Properties:

  • Office Buildings

  • Apartment Buildings

  • Mixed-Use

  • Medical/Dental Facilities

  • Warehouses

  • Restaurants/Bar/Club

  • Industrial- Light/Heavy

  • Commercial Condos

  • Condo Projects

  • Retail/Single/Multi/Centers/Stores

  • Gas Stations/Auto Centers Flag or No Flag

  • Hotels/B&B/Motels Flag or No flag

  • Agricultural

  • Manufacturing Facilities

  • Auto Facilities

  • Leisure & Gaming

  • Land- Rural/Urban

  • Owner Occupied Business

  • Single Tenant Buildings

  • Non-permitted Structures

  • Self Storage/Mixed Buildings

  • Mobile Home Parks/RV Parks/Parking Lots- All Types

  • Special Purpose, Religious, Funeral, Sport Facility

Eligible Borrower Types:

  • Owner, Non Owner Occupied or Investment

  • Sole Proprietorship, LLC or Corporation

  • Foreign Nationals

  • Visa, Green Card, or None

  • Borrowers in Bankruptcy

  • Borrowers in Foreclosure or Bailouts

  • Owned by Sole Proprietorship, LLC or Corporation

  • Borrowers in Probate/Trust

  • Trust, Living Trust, Non Revoke

  • Attorney in Fact

Eligible Loan Types:

  • Owner User, Non Owner Occupied or Investment

  • Purchase Money

  • Refinance

  • Cash out (No Cap)

  • Property Listed for Sale

  • Foreclosure/Bankruptcy Bailouts

  • Mezzanine Debt/2nd- Purchase

  • Properties in Probate/Trust

  • Mezzanine Debt/2nd- Refinance/Cash Out

  • Purchase Plus Construction

  • Purchase Plus Rehab

  • Refinance Cash Out Plus Construction

  • Refinance Cash Out Plus Rehab

Synergy Capital Markets Private Money Program - Asset Based Lending:

  • LTV (Loan to Value) up to 70% (75-80% ltv case-by-case)

  • CLTV up to 100% possible with Joint Venture with Synergy Capital Markets

  • Loan Term: 1, 2, 3, 5, and 7 years

  • Interest Only or Amortized Over 30 or 40 Years

  • Interest Rates: 7.99% to 10.99% Risk Base Pricing

  • No Prepay Penalties Option

  • Cross Collateralize for Maximum Loan Amounts

  • Not Fico Based, Bad Fico or No Fico OK

  • DSCR: NO Minimum Debt Service Ratio

  • Sole Proprietorship, LLC or Corporation

  • No Occupancy Minimum/Vacancy OK

  • Low Pricing Available/Risk-Based Pricing

  • Stated Income/Siva/No Doc

  • As-is Prime, After Repair Value Allowed/Future Value OK/No Reserves Needed

  • No title seasoning/Next Day Value Ok/Non Recourse Option

  • BK Chapter 7,11,13 OK/Debtor in Possession Program

  • No Net Worth or Liquidity Requirements

  • No Appraisal Needed Program, Old Appraisal OK Desk Review

  • ​No Min or Max Loan Amounts/Interest Only Option

  • Up to 100% CLTV Allowed (combined loan to value)

  • Close Loan in 7 Days

Synergy Capital Markets Bridge Money Program:

  • LTV (Loan to Value) up to 80%

  • Loan Term: 6 months or 1 Year

  • Interest Only Option

  • Interest Rates: 9.99% to 11.50% Risk Based

  • No Pre-Payment Penalty

  • Cross Collateralize for Maximum Loan Amount

  • Low Point Options Low Fees

  • No Doc, Stated Program

  • Not Fico Based, No Fico, No Citizenship Needed, TIN OK

  • No Reserves Needed No Cltv Option

  • No Title Seasoning Needed

  • No BK or Foreclosures Last 12 Months

  • Down Payment No Seasoning or Gift OK No Liquidity Requirements

  • Close Loan 5-7 Days

Synergy Capital Markets Alternative Tier I Commercial Loan Program

(close in 30-40 days):

  • LTV (Loan to Value) up to 80%

  • CLTV up to 100% possible with Joint Venture with Synergy Capital Markets

  • Loan Term: 3, 5, 7, 10, 15, 20, 25, 30 and 40 years

  • Amortized Over 15, 25, 30 or 40 Years

  • Interest Rates: 3.625% to 6.37% P&I Rates Change Daily- Market Conditions

  • Pre-Payment Penalty 3 Years or 5 Years/Step Down or Yield Maintenance

  • No Cross Collateralize

  • All Fico Based Criteria Levels

  • Level 1: 720+  Fico 80% Max Ltv Purchase, 75% Max Ltv Refinance, Min DSCR 1.20, 85% Ltv Min DSCR 1.35

  • Level 2: 680+  Fico 75% Max Ltv Purchase, 70% Max Ltv Refinance, Min DSCR 1.20, 80% Ltv Min DSCR 1.35

  • Level 3: 660+  Fico 70% Max Ltv Purchase, 65% Max Ltv Refinance, Min DSCR 1.20, 75% Ltv Min DSCR 1.35

  • Level 4: 620+  Fico 65% Max Ltv Purchase, 60% Max Ltv Refinance, Min DSCR 1.20  

  • Pricing Based on 6 month Libor Plus Arm Margin Starting at 1.825. Floor equal to intial rate

  • Non Recourse plus 1.5 to Margin

  • Vacancy Max 15%

  • Par Pricing Available/Credit and Building DSCR-Based Pricing

  • Full Doc Underwriting, Borrower Tax Returns, Building Full Financial Package, Full Appraisal and Reports

  • Reserves Needed

  • 6 Month Title Seasoning

  • No BK or Foreclosures 5 Years

  • Net Worth and Liquidity Requirements

Synergy Capital Markets Alternative Tier II Commercial Loan Program

(Close in 30-40 days):

  • LTV up to 65%

  • CLTV of 100% possible with Joint Venture with Synergy Capital Markets

  • Loan Term: 3, 4 or 5 Years

  • Amortized Over 30 Years

  • Interest Rates: 6.875% to 7.99% P&I

  • Pre-Payment Penalty 3 Years or 5 Years/Step Down or Yield Maintenance

  • Cross Collateralize for Maximum Loan Amounts

  • All Programs: Alt 1,2 or 3 Focus On The Building Financial Package and Strength, Not The Borrower- Light Doc Building Only

  • Program Alt-1: 640+  Fico 65% Max Ltv Purchase, 65% Max Ltv Refinance, Min DSCR 1.20, 70% Ltv Min DSCR 1.25

  • Program Alt-2: 600+  Fico 60% Max Ltv Purchase, 60% Max Ltv Refinance, Min DSCR 1.20, 65% Ltv Min DSCR 1.25

  • Program Alt-3: 560+  Fico 55% Max Ltv Purchase, 50% Max Ltv Refinance, Min DSCR 1.25

  • Full Recourse Only

  • Vacancy Max 30%

  • Full Doc  Building Underwriting, Building Full Financial Package, Old Appraisals OK, Desk or Field Review Needed

  • Light Reserves Needed

  • No Title Seasoning Needed

  • No BK or Foreclosures 3 Years

  • Light Net Worth and Liquidity Requirements

Synergy Capital Markets Alternative Tier III Commercial Loan Program / SBA Turndown:

  • LTV up to 65%

  • CLTV of 100% possible with Joint Venture with Synergy Capital Markets

  • Loan Term: 3 or 5 Years

  • Amortized Over 25 or 30 Years

  • Interest Rates: 7.75% to 8.875% P&I

  • Pre-Payment Penalty 3 Years or 5 Years/Step Down or Yield Maintenance

  • All Programs: Alt-Ex1, Alt-Ex2 and Alt-Ex3 Focus On The Building Financials 

  • Owner User with NO Fico Or Building Occupancy %

  • Owner User Needs to Only Occupy 35% of Building, Minimum Qualifying DSCR 1.1

  • ​Program Alt-EX1: 660+  Fico 65% Max Ltv Purchase, 65% Max Ltv Refinance, Min DSCR 1.1, 70% Ltv Min DSCR 1.20,

  • Program Alt-EX2: 600+  Fico 60% Max Ltv Purchase, 60% Max Ltv Refinance, Min DSCR 1.1, 65% Ltv Min DSCR 1.20

  • Program Alt-EX3: 560+  Fico 55% Max Ltv Purchase, 50% Max Ltv Refinance, Min DSCR 1.1

  • Full Recourse Only

  • Vacancy Max 20%

  • Full Doc  Building Underwriting, Building Full Financial Package, Owner User Business Underwriting

  • Light Reserves Needed

  • No BK or Foreclosures 3 Years

  • No Net Worth and Liquidity Requirements

 

 Synergy Capital Markets

9453 De Soto Avenue

Suite M

Chatsworth, California 91311
 

CONTACT US

Synergy Capital Markets, is an institutional alternative real estate finance investment adviser, investor and underwriter. Synergy Capital Markets does not offer, and does not offer to provide any broker dealer or market maker services. Synergy Capital Markets operates this website at www.SynergyCapitalMarkets.com (referred to as the “Website”). By accessing this Website and any pages thereof, you agree to be bound by its Terms of Use and Privacy Policy. Past performance is no guarantee of future results. Any historical returns, expected returns, or probability projections may not reflect actual future performance. We do not provide financial planning services to individual investors. Synergy Capital Markets does not provide tax advice and does not represent in any manner that the outcomes described herein will result in any particular tax consequence. Prospective investors should conduct their own due diligence, not rely on the financial assumptions or estimates displayed on this Website, and are encouraged to consult with their own financial advisor, attorney, accountant, and any other professional that can help you / them to understand and assess the risks associated with any real estate investment opportunity. Full Disclosure

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