Valor Lending Group offers a range of funding sources and loan options tailored for both investors and owner-occupied borrowers. Commercial Property Loans are available for amounts ranging from $100,000 to $2 million. Loan terms include 30-year fixed and 5-year ARM options, with amortization schedules of 15, 25, or 30 years. These loans can be used for purchases, cash-out refinances, or rate-and-term refinances.
Maximum Loan-to-Value (LTV) ratios vary slightly between programs: investor and owner-occupied loans allow up to 80% LTV for purchases and 75% for refinances. Minimum FICO scores start at 650 for most programs, although the investor-only option requires a minimum of 700. Debt service coverage ratios (DSCR) also differ, with investor loans typically requiring 1.15x and owner-occupied loans using a global DSCR of 1.20x. As well as a full docs option using 2 years personal or business tax returns.
Underwriting guidelines include property-level DSCR, global DSCR, and evaluations based on property cash flow. Required income documentation varies widely from two years of personal and business tax returns or only 12 months of business bank statements, or even no documentation depending on the program. Prepayment penalties do apply. Buy-downs are available at a cost of 1 point per 0.375% rate reduction.
Loans are available to individuals or business entities in the top 300 metropolitan statistical areas (MSAs), providing flexibility and accessibility across a broad market.
Commercial Property Loans Eligible Properties
- Multifamily
- Retail
- Restaurant
- Warehouse
- Mobile Home Park
- Light Industrial
- Mixed-Use
- Office
- Bar
- Self-Storage
- Daycare Center
- Automotive
Other Valor Lending Loan Products:
- Hard Money Loans (20% down / minimal documentation) Typically Fund in 7-10 days.
- Stated Income Loans (Great for business owners and self employed ) No tax returns!
- Valor VA Home Loan 100% financing up to $1.5MM
- Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
- Flipper & Rehab Loans (Flip a property with one of our many options)
- 2nd Position Loans up to $5mm
- Raw Land & Lot Loans
- Ground up Construction for spec homes, custom homes and commercial ground up.
- 10% down Jumbo’s up to $3mm
- Acreage Properties
- Commercial Loans up to $500mm
- 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
- Foreign Nationals Loans (no social security or residency required)
- Conventional Conforming Loans
- High Balance Conforming
- Jumbo Loan Financing to $10 Million / Super low rates! / 10% down Jumbo to $3mm
- FHA, USDA
- Reverse mortgages up to $1 Million Value
- Cash Out Refinancing
Check out more of what we offer. Check out Valor’s Mortgage News to learn more!
