Helpful Notes
The following are links to helpful information related to our small commercial loan programs:
* Credit Reports - Best options for obtaining your credit report … and why … plus (optional) free trial offers.
* DSCR/NOI - Brief Explanation - What is the “Debt Service Coverage Ratio” and its significance in underwriting loans; How to guess-timate a property’s “Net Operating Income”; and, What is the relationship between DSCR & NOI?!
* PPP Subsidy Why you might want to consider a lender’s “Pre-Payment Penalty” as more of a subsidy (than a penalty).
* Rates & Terms - Quotes & Commitments The steps along the way from initial inquiry to final approval.
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