Commercial mortgage lenders use specific underwriting guidelines for different types of properties, as shown in the Matrix below.  These are general guidelines, and may vary depending on the particular lender and the actual financing request.

The information in the matrix table is intended as an example only, to give you some idea as to the ratios  ( loan-to-value, debt service coverage,  capitalization rates, etc. ) that may apply to your financing request and property type. To see how these guidelines are used in determining the final dollar amount of the loan, please take a look at the sample Loan Package.

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The criteria shown is subject to change without notice, depending upon changes in market conditions and interest rates.