• Multifamily/Apartment Complex
• Condo Development - Highrise, Midrise, Condo - Coversion
• Planned Unit Developments - Residential Clusters
• Mixed Use- example: storefront on the bottom w/ 3 apartments on the top.

The following will be evaluated on a case by case basis:

• Retail, Strip Centers, and Shopping Centers
• Office - Highrise, medical, condo, medical etc.
• Self-Storage
• Hotel/Motel
• Industrial
• Healthcare

Builders and Developers interested in securing financing must have at a minimum-

• Information on area demographics
• Absorpation of competitive space
• Market occupancy rates
• Estimated market rent for all spaces
• Typical lease structure for all spaces
• Average lease term for the customary market
• Items that will be paid by tenant (lessee) vs. landlord(lessor)
• Estimated (projected)property operating expenses - real estate taxes, insurance, utilities, repairs and maintenance,management fees, advert. and marketing, general and admin..
• Total Construction Cost including  breakdown of Hard and Soft costs, entrepreneurial/developer profit, PLUS Land Value.

Providing this information will allow us to develop an annual "snap-shot" of the net income the proposed project would produce if it was completed and leased under a market rent scenario at market occupancy.

Note* For owner occupied properties, we will need to provide lenders with enough information to evaluate the financial strength of the owners business and the ability to service the proposed loan.

• Type of business
• Years in business
• Profit and Loss statement for 3 yrs.
• Balance sheet
• Summary of Borrowers exp.