How is conventional commercial different from SBA?

Conventional CRE is bank/credit-union or debt-fund financing without an SBA guarantee — often faster but may need more equity or stronger sponsorship than SBA 504/7(a).

What DSCR do commercial lenders want?

Property-level DSCR targets commonly start around 1.20–1.25x for stabilized assets, varying by property type, recourse, and market. We underwrite to the lender’s grid, not a generic rule of thumb.

Commercial

Conventional Commercial Real Estate

Name: Elite Fundings — California Mortgage Team
Address: 552 E Badillo St, Covina, CA, 91723, US
Telephone: (626) 833-7449
Price range: $$

Bank-balance-sheet commercial mortgages — retail, office, industrial, mixed-use.

Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.

Apply for this program (626) 833-7449

Ideal borrower

Commercial investors with stabilized income properties.

Program highlights

5/10/15/25-year terms
Up to 75% LTV
Recourse and non-recourse options
Portfolio-held by banks

Typical uses

Retail strip purchase
Office/industrial acquisition

Frequently asked questions

How is conventional commercial different from SBA?: Conventional CRE is bank/credit-union or debt-fund financing without an SBA guarantee — often faster but may need more equity or stronger sponsorship than SBA 504/7(a).
What DSCR do commercial lenders want?: Property-level DSCR targets commonly start around 1.20–1.25x for stabilized assets, varying by property type, recourse, and market. We underwrite to the lender’s grid, not a generic rule of thumb.

Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.