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Find company addresses, descriptions, account executives and other information.
Commercial lenders provide loans for common loan purposes/properties and for
situations such as mezzanine financing, nonrecourse loans, second mortgages,
Small Business Administration loans and more.
Multifamily lenders provide loans for properties with five or more units, apartments,
low-income housing, student housing, senior housing and more.
Hard-money lenders generally give more consideration to the value of a property/collateral
than to debt-service-coverage ratios. Loan-to-value ratios are usually less than 65 percent.
These lenders specialize in unique, hard-to-find loans and sometimes are known as
private, equity or portfolio lenders. They often can do fast closings.
hard money »
Construction lenders provide loans for new construction or
Scotsman Guide is published monthly by Scotsman Guide Media
P.O. Box 692, Bothell, WA 98041-0692
TEL: (800) 297-6061 FAX: (425) 485-3550
ChAiRmAN OF ThE BOARd
Executive vice President of Sales: Todd Britton-Simmons
Senior Account Executive: Ray Murphy
Editor: Rania Oteify
Senior Associate Editor: Raymond Fleischmann
Associate Editor: Kurt Stephan
Associate Editor: Victor Whitman
Editorial/Production Assistant: Krista Humphres
mATRix ANd LOAN POST firstname.lastname@example.org
manager: Garrett Geiger
Creative director: Dennis Wunsch
Senior designer: Chuck Howard
Senior designer: Paula Douglass
designer: Jeffrey Sabourin
SOF TwARE dEvELOPmENT email@example.com
CONTRiBu TiNG Au ThORS
Jeffrey Barber, Victor Calanog, David Kocharhook, Tony Kusak,
Alexa Mizrahi, Stephen A. Smith, Rick Tobin, Rick Wolf
POLiCiES ANd uSE
Scotsman Guide – Commercial Edition (ISSN 2154-588X) is made available only to licensed
mortgage originators and not to the general public. Subscribe to Scotsman Guide online at
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The information and opinions expressed in our editorial articles, advertisements and letters
to the editor do not necessarily reflect the opinions of Scotsman Guide Media. Inclusion of an
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endorsement by Scotsman Guide Media or any of our contributors or advertisers.
Scotsman Guide Media takes pride in precise reporting of the data found herein. The
information found in Scotsman Guide is confirmed or updated monthly from independent
sources believed to be reliable. Nonetheless, because of the volume of information reported,
occasional errors may occur. We assume no obligation or liability for the accuracy, timeliness
or completeness of any information. Because of the nature of the mortgage industry, financial
terms and availability of funds are always subject to change without notice. This publication is
not intended for use by the general public.
Scotsman Guide — Commercial Edition (USPS 025-515) is published monthly, 12 times a year,
by Scotsman Guide Media, 22118 20th Ave. SE, Suite 129, Bothell, WA 98021-4417. Periodicals
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©2014 Scotsman Guide Media. No part of this publication may be reproduced in any form
whatsoever without written authorization of its publisher. Mortgage professionals may print or
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COMMERCIAL;EDITION VOLUME 14 ISSUE 3 MARCH 2014