• Mixed use
• Warehouses/Office/Retail
• Industrial/Automotive
• Special Purpose/Unique Properties
• Multi-Family 5 + Units

• Stated Income - Stated Assets
• Lending in the Name of Corporations, Trusts or LLC
• Seller Seconds to 90% CLTV
• Gifts of Equity
• No Employment Seasoning
• No IRS 4506 Requirements
• Unlimited Cash Out Refinance
• Inherited Properties with Cash Out
• Blanket Mortgages

Step 1 - Complete on-line application
Step 2 - EMC Loan Counselor will contact you to begin processing your application.
Step 3 - Loan Approval

Program Highlights

Property Types

• Retail, Offices, Warehouses, Self-storage
• 5 Units & Up (Apartments)
• Commercial - Mixed use properties
• Restaurants, Taverns, Hotels, Motels
• Special Purpose/Unique Properties
• Most commercial properties considered!

• Seller Seconds
• Gifts of Equity
• No Employment Seasoning
• No IRS 4506 Requirements
• Investor Stated Income-Stated Asset
• Lending in the Name of Corporations, Trusts, or LLC

• Bankruptcy or Foreclosure
• Liens, Judgments, Collections (may be waived if not on title)
• Cross Collateralization

• Loan from 600,000 to 150,000,000*
• Purchase or Refinance Loans between $400,000 and $600,000 may require additional documentation

• Fixed or Adjustable Rates 10, 15, 20, 30 year Amortizations
• 15- to 20- Year Amortization

Mixed Use/Apartment Building:
Our real estate professionals have decades of nationwide experience at the local level and we fully comprehend the intimate apartment and mixed-use real estate markets. In terms of our valuation we consider such factors as age, condition, supply and demand issues, and rent control to name a few. These property types may be an insurmountable hurdle for some lenders; we have the knowledge and experience to clear those hurdles. Valuation factors vary for each property type but our ability to understand the industry and the facts that affect value enable us to outperform all others.

Warehouse/Self-Storage:
Over the past decade, we have seen a growing number of self-storage facilities appear around our neighborhoods. This once underserved market has been developed into one of the more competitive building classes in the country. New developments for self-storage buildings include state of the art security devices, 24-hour on-site management, video surveillance and fire control systems. In order to attract the widest customer base as possible, some facilities offer storage capabilities for wine, furs or vault type storage. While others offer climate controlled, cold storage or even exterior RV or boat storage. In markets where land comes at a premium, some self-storage facilities are several stories high. Large capacity freight elevators enable customers to access to their storage unit nearly as easy if it were on the ground. Whatever the case, we have a seasoned staff that is up-to-date with the most current advances in self-storage industry.

Industrial Properties:
As technology has improved, so has the style and construction of many types of industrial facilities. Whatever building type, style or location we understand the vast complexities and ever-changing markets that give rise to value. Often times, our nationwide experience and expertly trained staff can access your property's value in a very limited period of time. We constantly strive to maintain an up-to-date, active knowledge of the industry but we also don't lose sight of this vital industry's history.

Special Purpose/Unique Properties:
Our nation's real estate market is extremely diverse with countless types of properties. Special purpose and unique property types may be an insurmountable hurdle to some lenders but at EMC we have the knowledge and experience to clear those hurdles. Special Purpose and unique property types can include:

• Laundromats, Funeral Homes
• Camp Grounds
• Outdoor Entertainment Centers
• Trailer/Mobile Home Parks
• Marinas

Hotels/Motels:
Non-flagged hotels and motels are still considered a large component in the hospitality industry, but generally at a different competitive level. With our industry knowledge and expertise we feel we are more capable of understanding the non-flagged world of hotels and motels vs. other lending alternatives. Our valuation assumptions are based on facts that are relative to the property in question. Sources of revenue for non-flagged hotels and motels may include food and beverage areas, conference rooms, banquet rooms and daily room rentals but room revenue may also include weekly or monthly rentals that are typically not allowed in flagged hotels. This semi-permanent style of occupancy may be considered undesirable to some, but we recognize that certain properties compete at different levels. Again, the economics of supply and demand dictate the value.

Restaurants:
Whatever your dining pleasure might be, EMC can fulfill the appetites for our clients with our keen knowledge of restaurant valuation. While we can't predict what restaurant will work at what location, we can do a thorough analysis of your location and facility to determine value. The time-tested adage of location, location, location applies to restaurants as much as anything else. Key factors in valuation include access, visibility, parking, and location, as well as a myriad of building factors such as size, age and condition.

EMC offers competitively priced financing for a wide range of restaurant properties; including owner-occupied, and leased properties, quick-serve or full-serve restaurants, neighborhood settings or urban locations.