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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
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editor/Commercial edition: Kurt Stephan
editor/residential edition: Raymond Fleischmann
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PoLiCieS aNd uSe
Scotsman Guide – Commercial Edition (ISSN 2154-588X) is made available only to licensed
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The information and opinions expressed in our editorial articles, advertisements and letters
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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
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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
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COMMERCIAL EDITION VOLUME 14 ISSUE 9 SEP TEMBER 2014