Summary of Commercial Real Estate Services
Welcome! Carpenter & Associates, Inc. is a leader in the commercial loan industry providing millions of dollars in fast commercial real estate financing without long drawn out financial requirements and endless paperwork.
We provide real estate loans for a wide variety of commercial property types including:
- Apartments & Multi Family
- Office Buildings
- Retail & Shopping Centers
- Strip Malls
- Warehouse & Industrial
- Hotel/Motel
- Bed & Breakfast
- Storage Facilities
- Mobile Home Parks
- Large Construction
- Special Purpose
- Quick Close Program
- Full Doc & No Income Verification Loans
- Hard Money Loans
We cover the entire United States. We welcome loan amounts of $200,000 to $100 million and work with all credit types. The enclosed pages have descriptions of our rates and terms on several different loan products we provide. Brokers are always welcome and protected. If you would like to chat about your funding needs please give us a call at 480-219-3712 and we will address any issue that you might have. Hard Money Loan Profile Form
Current Program Summaries! -- NEW! - Program #1
Full Doc & Light Doc-Nationwide-Commercial Portfolio!
- $150,000 to $5,000,000
- Fast written Commitments lock in your deals!
- Nationwide - All 50 States
- 600 minimum credit score
- Apartments, Mixed Use and Commercial: office, warehouse, retail, industrial
- Apartments and Commercial Fixed from 5.25%
- All 15, 20, and 30 years fully amortized
- Max LTV 80% Purch and Refi Apartments and Mixed Use 75% Commercial
- Unseasoned Refi OK in most cases!
- Now par priced Nationwide to qualified brokers!!
- Our amazing alternative commercial portfolio program!
Program #2 -- Hard Money & Bridge Loans
- $250,000 to $25,000,000
- Nationwide - All 50 States
- All commercial property types considered except farm land
- Bad credit OK/All situations considered including bankruptcy, foreclosure, quick close and credit rebuilders/Based on property value
- A chance to close quickly or stabilize your credit or other situation and save the day
- Rate: 8%-14%
- 5-10 points
- Max LTV 70%
Program #3 -- Lowest Large Commercial Rates Nationwide!
Amazing Large Commercial Best Rates Program
- $1 million to $100 million
- Nationwide - All 50 States
- 650 minimum credit score
- Multi-family, Mixed Use, Retail, Office, Industrial and Storage
- Flag hotels OK at 75% LTV!!
- Adjustable Rates from 3.75% on apartments/4.75% commercial
- Up to 30 year Amortization
- Lowest 30 year fixed bank rates available in USA from Treasury plus 1.20%!!
- Max LTV 80%
- No recourse typically required
- No seconds on this program
- Requires 80% occupancy
- Call today to se if you qualify for these unbeatable rates!
Program #4 * UPDATED * Amazing Commercial NINA
- NINA - No income/No assets/ No employment required
- No seasoning required for Refi or Down Payments
- *NEW* NOW $150,000 to $5 million!!!
- 600 minimum credit score
- Par Priced to Qualified Brokers
- Multi-family, Mixed use, Retail, Office and Commercial
- Fixed Rates from 5.25%
- 10, 15, 20, 25 and 30 year Amortization
- Max LTV 75%/CLTV's FROM 80% to 90%
- Nice program also does smaller loans to $1 million on unusual property types like bowling alleys and warehouses!
Program #6 Florida Rehab Loan Money!
- $200,000 to $1,000,000
- Amazing way to fund over 100% of the cost of your deal
- Florida Only
- All property types considered but prefer apartment/condo/multi family building projects
- Fixed rate: 12.9%
- Interest Only
- Max LTV 125% of cost/70% of completed value
Program #5 Large Construction Financing
- $2,500,000 to $80,000,000
- Our construction money starts at $2.5 million
- Nationwide - All 50 States
- All property types considered but prefer apartment/condo/multi family building projects
- Floating rate: Starting at 3.75% based on LIBOR plus 2
- Interest Only
- Construction to Perm with no prepay available
- Max LTV 85%
Services Offered Commercial Loan Underwriting and Due Diligence Services
$250 Per Hour Posted Flat Rate. Services may include: valuation, pricing, credit analysis, environmental, title and document services Attorney's Bonded Escrow Services: $395 per transaction. Let us know if we can assist you! Other programs available every month! Please contact us if you need additional info: 480-219-3712
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