AG Commercial Capital AG Commercial Capital ProgramsPrograms

Creative Commercial FinancingCreative Commercial Financing

  

A G COMMERCIAL CAPITAL LLCA G COMMERCIAL CAPITAL LLCContact:Contact:

• Pamela Williams – Account Executive• Greg Davis- Branch Manager • Toll-Free: 1800-792-0922 ext:1185• pwilliams@agcommercialcapital.com• www.agcommercialcapital.com

Stated Income Small Balance Stated Income Small Balance ProgramProgram

Stated Small Balance Commercial Stated Small Balance Commercial Stated Income / Verified AssetsStated Income / Verified Assets

• Loan Amount: From $100K to $400K

• Interest Rate starting at 7.75%• • Loan Term: 25 Year Fixed rate w/ NO BALLOON • LTV: Up to 70% Max for Multifamily and other property types. • LTV: Reduced based on the transaction risks and credit scores.• CLTV: Up to 80%• Minimum Population Requirement: 3,500 town and 20,000 County• Minimum Credit Score requirement: 600 (all three scores)• Purchase, Rate & Term & Cash Out• Investment property or Owner Occupied• Prepayment Penalty: • 5 years declining at 5,4,3,2,1 on Fixed Program • 5% Flat for 5 Years on Adjustable Program

Stated Small Balance Commercial Stated Small Balance Commercial Stated Income / Verified AssetsStated Income / Verified Assets

• Closing Time: 4 Weeks typically, from a complete package.

• Seasoning Requirement: 24 Months, if property is owned for less than 24 months, purchase price or appraised value, whichever is the lower will determine the LTV.

• Property Type: Apartments (5+units), Mixed-use , Professional Office space, Retail Store –Strip/Free Standing, Small Commercial, Motel/Hotel, Mobile Home Park, Warehouse, Church, Garage/Storage, Auto Repair.– Territory: Nationwide, except for: Alabama, Alaska,

Hawaii, Michigan, Nevada, Ohio, West Virginia, Vermont & Los Angeles County, CA.

Stated Small Balance Commercial Stated Small Balance Commercial Stated Income / Verified AssetsStated Income / Verified Assets

• Credit Quality: Usually, mortgage should be current, and been rated for 24 months. Typically Mortgage rating must not have more than 1 X (30) days delinquency in the past 12 months. HOWEVER, will also consider 3 X (30) days and 1 X (60) days delinquencies in the last 12 months period

• Bankruptcies: Generally not allowed in the prior 2yrs.

• Charge Offs/Collections: Are not allowed in the prior 12 months period. Exceptions may be granted with a higher rate.

Credit ScoreCredit Score

• We at A G Commercial Capital LLC, will try and work with individuals, business, investors and companies who has suffered from the downturn of the real estate market. If your Credit score is 600 are above, we will try to be creative in closing your transaction.

• We also have funding for Churches $150k - $400k, and Non Profit Organizations.

Eligible Properties For Our Eligible Properties For Our ProgramsPrograms

• Assisted Living Facilities Automotive /Auto Shops Bowling Centers Car wash

• Churches Convenience Stores Day Cares Dry Cleaners Funeral Homes Gas Stations Hotel/Motels –Flagged and Non-Flagged - Liquor Stores, etc…

Eligible Properties For Our Eligible Properties For Our ProgramsPrograms

• Medical/Dentist Offices. Metal Buildings Multifamily Mixed-Use Mobile Home Park Nursing Homes Office – Condos - Restaurants Retail Centers - Self Storage Supermarket/Grocery Stores Warehouses – etc…