Bridging the Gaps in Commercial Real Estate Financing

Underwriting Criteria

Walker Financial Consulting

Our Underwriting Criteria

Walker Financial Consulting respects our clients’ valuable time, which is why we take a common-sense approach to underwriting that doesn’t burden clients with excessive and cumbersome documentation requirements and red tape.

Instead, we focus on a few key metrics and criteria that we believe are essential to a commercial real estate project’s success. In order to review a financing request, we generally require the following:

  • Three years of business financial statements (non-audited)
  • Personal financial statement
  • Income and expense projections
  • A minimum cash or equity position by the borrower (i.e., some “skin in the game”)
  • An exit plan

We generally look for deals with up to a 75% loan-to-value ratio, although we may accept a higher LTV in certain circumstances. Interest rates generally range from 9% to 12%, and the origination charge between 4 and 5 points, depending on the financial strength of the borrower. Our loans are secured by commercial real estate collateral.

Contact Us Today  to discuss your commercial real estate financing needs in more detail.