Marketplace Capital Group Commercial Real Estate Loan Programs

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Last Update: December 17, 2012 at 12:02 PM

Commercial Programs *

/ Commercial

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We offer commercial real estate loans with low interest rates based on loan-to-value and property type. Now's the time to call us while rates are down! Call us toll free at (866) 622-7969 ext. 102.

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Property Type
Loan Amount

Program	Key	Start Rate	Margin	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
New 5-YEAR FIXED / ARM - $300,000 TO $499,999
MCG-S5	MCG-S507	4.250	3.00	Libor		65	25/10	1.20:1	2,2,1,1,1	Call
Guidelines Loan Amounts from $300,000 to $5,000,000 General Lending Areas - Los Angeles, Orange, San Diego, San Francisco Counties Max. Loan to Value Apartments 70%: Commercial 65% LTV Minimum DSCR 1.25:1 Recourse Only Recourse/Guarantees are required
MCG-S5	MCG-S508	4.375	3.000	Libor		65	25/10	1.25:1	2,2,1,1,1	Call
Guidelines Loan Amounts from $300,000 to $5,000,000 General Lending Areas - Los Angeles, Orange, San Diego, San Francisco Counties Max. Loan to Value Apartments 70%: Commercial 65% LTV Minimum DSCR 1.25:1 Recourse Only Recourse/Guarantees are required
MCG-S5	MCG-S509	4.500	3.000	Libor		65	25/10	1.25:1	2,2,1,1,1	Call
Guidelines Loan Amounts from $300,000 to $5,000,000 General Lending Areas - Los Angeles, Orange, San Diego, San Francisco Counties Max. Loan to Value Apartments 70%: Commercial 65% LTV Minimum DSCR 1.25:1 Recourse Only Recourse/Guarantees are required
MCG-S5	MCG-S510	4.625	3.000	Libor		65	25/10	1.25:1	2,2,1,1,1	Call
Guidelines Loan Amounts from $300,000 to $5,000,000 General Lending Areas - Los Angeles, Orange, San Diego, San Francisco Counties Max. Loan to Value Apartments 70%: Commercial 65% LTV Minimum DSCR 1.25:1 Recourse Only Recourse/Guarantees are required
MCG-S5	MCG-S511	4.750	3.000	Libor		65	25/10	1.20:1	2,2,1,1,1	Call
Guidelines Loan Amounts from $300,000 to $5,000,000 General Lending Areas - Los Angeles, Orange, San Diego, San Francisco Counties Max. Loan to Value Apartments 70%: Commercial 65% LTV Minimum DSCR 1.25:1 Recourse Only Recourse/Guarantees are required
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Private Money 1-year to 2 Years
Program	Key	Start Rate	Margin	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
PM-1 Year	AL-1498	7.80				60		1.10:1		Call
Guidelines Loan program available for California properties only. Interest Only Bridge Loans Loan amounts from $500,000 to $15,000,000 3-months to 18-months terms available No Tax Returns Required No Appraisal Required Recourse Required Properties must be located in California Average 7 to 10 day funding turn-time Lending area: California only No Pre-Payment Fee Rates, fees and terms are subject to change without notice.
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Private Money 3-Years to 10 Years
Program	Key	Start Rate	Margin	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
PM-3	AS500	8.95% and Up				60		1.10:1		Call
Guidelines 9.50% to 12.50% Fixed Rates 1-Year to 10-Year Fixed Terms Interest Only Payments and 30-Year Amortization Available No Prepayment Penalties California Properties Only Appraisal may be required Certain properties may require environmental reports 12 months trailing bank statements required. Prefer mid credit scores of 680 or better Max loan to value 60%
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3 YEAR FIXED/ARM - $500,000 to $5,000,000
Program	Key	Start Rate	Margin	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
3C-MC	CB485	4.250	Varies	Libor & 12MAT		60% to 75%	25/10	1.25:1		310.265.4492
Guidelines Loan amounts from $500,000 to $5,000,000 25 year amortization, 10-year term Max LTV 75% Minimum DSCR 1.25:1 Owner- occupied; 1.35:1 Investor Transactions fees will vary, please call 310.321.6750 ext. 102 Recourse Only Southern California well maintained properties only. Cash-Out with acceptable purpose. No gas stations, car washes, on site dry cleaners, raw land or construction loan requests. Bank Prime 1.00 to 2.00 Prepayment Penalties: Declining Appraisal and Phase 1 reports will be required.
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5-YEAR FIXED / ARM - $500,000 TO $5,000,000
Program	Key	Start Rate	Margin	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
5C-MC	CB486	4.500	Varies	Libor & 12MAT		60% to 75%	25/10	1.25:1	Varies	310.265.4492
Guidelines Loan amounts from $500,000 to $5,000,000 25 year amortization, 10-year term Max LTV 75% Minimum DSCR 1.25:1 Owner- occupied; 1.35:1 Investor Transactions fees will vary, please call 310.321.6750 ext. 102 Recourse Only Southern California well maintained properties only. Cash-Out with acceptable purpose. No gas stations, car washes, on site dry cleaners, raw land or construction loan requests. Bank Prime 1.00 to 2.00 Prepayment Penalties: Declining Appraisal and Phase 1 reports will be required.
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7-YEAR FIXED / ARM - $500,000 to $5,000,000
Program	Key	Start Rate	Margin	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
C7-MC	CB487	4.750	Varies	Libor & 12MAT		60% to 75%	25/10	1.25:1	Varies	310.265.4492
Guidelines Loan amounts from $500,000 to $5,000,000 25 year amortization, 10-year term Max LTV 75% Minimum DSCR 1.25:1 Owner- occupied; 1.35:1 Investor Transactions fees will vary, please call 310.321.6750 ext. 102 Recourse Only Southern California well maintained properties only. Cash-Out with acceptable purpose. No gas stations, car washes, on site dry cleaners, raw land or construction loan requests. Bank Prime 1.00 to 2.00 Prepayment Penalties: Declining Appraisal and Phase 1 reports will be required.
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10-YEAR FIXED TERM - $500,000 to $5,000,000
Program	Key	Start Rate	Margin	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
MCG-10	CB488	5.250	3.00 to 3.500	Libor Swaps		60% to 75%	25/10	1.25:1	9,8,7,6,5,4,3,2,1,0	310.265.4492
Guidelines Loan amounts from $500,000 to $5,000,000 25 year amortization, 10-year term Max LTV 75% Minimum DSCR 1.25:1 Owner- occupied; 1.35:1 Investor Transactions fees will vary, please call 310.321.6750 ext. 102 Recourse Only Southern California well maintained properties only. Cash-Out with acceptable purpose. No gas stations, car washes, on site dry cleaners, raw land or construction loan requests. Bank Prime 1.00 to 2.00 Prepayment Penalties: Declining Appraisal and Phase 1 reports will be required.
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PRIVATE FUNDS AND REPOSITION $500,000 TO $10,000,000
Program	Key	Start Rate	Margin	Index	Ceiling	Max LTV	Amort / Term	Min DCR	Pre-Pay	Loan Fee
MCG-PMC	PM10461	7% - 9%	N/A	N/A	N/A	65	30/10	1.20:1	6-Months to 1-Year	310.265.4492
Guidelines Low leverage, recourse required, nonrecourse case by case at 35% or less LTV 30-year amortization with up to 1, 2, 5 and 10-year fixed terms available. Interest only payments will be considered on a case by case basis at a max 50% LTV. Up to 60% LTV Large MSA areas only: Los Angeles County, Orange County, San Francisco (includes Oakland and San Jose), San Diego County, Baltimore, Boston, Chicago, Milwaukee, Minneapolis, New York, Philadelphia, Portland, Salt Lake City, Seattle, Washington DC REO and distressed properties will be considered at a breakeven DCR and acceptable pro forma for meeting a stablized 1.20:1 DCR. Subject property must be income producing; strong loan term tenants (stable cash flow) Borrowers: High net worth, strong credit and liquidty Bankruptcies, mortgage lates or tax liens or current derogs. Explanations required for past credit derogs. Current appraisal required Phase I Environmental Site Assessment required on all properties except Non-Owner Occupied SFRs. No caps on tenant vacancies with minimum 1.20 DSCR Typical prepayment fee of 6-months to 1-year in first 2 years on mortgage term Standard fees include appraisal, Phase 1, Underwriting, Loan Processing, Initial Site Inspection, and Legal of $8,500 and up depending on each property and loan request. Rates, fees and terms are subject to change without notice.
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* Rates, fees and terms are subject to change without notice.

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