Commercial Loan Programs

Here’s a summary of the residential investment and commercial mortgage programs we offer through our capital sources.

For more information, please contact Frank Vogel President of Winston Rowe and Associates at 248-246-2243 or email at

The ensuing loan programs loan to value is a maximum 75%, after repair value maximum 80%. MSA’s only no rural areas.

Conventional loan programs are 65% loan to value for refinance, 80% loan to value for purchase.

Construction Financing $5,000,000. to $100,000,000.

Loan amounts from $250,000. to $25,000,000.

Minimum FICO 650

A commercial loan application must be completed to receive a lender quotation. Pricing is on a case-by-case basis due to market volatility.

One to Six Unit Residential

Fix and Flip

Apartment Buildings

Office Buildings


Mixed Use


Industrial / Warehouse


Construction Financing

USA Only

1] Alternative to hard money loans.

Designed for real estate investors seeking lower payments on a long-term, fixed-rate loan with no balloon payment.

Key Features

30-year fixed rate.

Interest-only payments up to 10 years.

Great for qualifying self-employed investors and small business owners.

Based on property value, not personal income.

No business tax returns option.

2] Short-term interest-only loan program.

Designed for investors seeking short-term financing with no prepay penalties.

Key Features

An interest-only, 24-month term provides lower monthly payments.

Available for purchase or cash-out refinance.

Perfect for acquiring or leveraging real estate holdings.

A higher LTV than hard money options.

No business tax returns option.

3] After Repair Value [ARV]

The best short-term solution for acquiring and improving property value.

Designed for “fix-and-flip” investors who are seeking a short-term, interest-only loan to acquire and improve a property based on its “as repaired value” (ARV).

Key Features

Allows borrowers to finance improvements.

Great for borrowers who need a quick close.

An interest-only 1-year term provides lower monthly payments.

A higher LTV than hard money lenders.

No business tax returns option.

4] Less Than Good Credit

A low LTV loan with easy credit requirements.

The Less Than Good Credit Loan is designed for investors with derogatory credit issues and high equity seeking quick and easy credit qualification.

Key Features

Streamlined underwriting.

No seasoning of ownership required.

Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years.

No business tax returns option.

5] Fixed Term Fully Amortized Commercial

For conforming commercial loans from $500,000 to $25,000,000.

Key Features

Non-recourse with standard bad boy carve outs

Available as a 5, 10 or 30-year fixed loan, amortized over 30 years.

Full documentation

MSA’s only.

Refinance loan to value 60% to 65%

Purchase loan to value 70% to 75%

6] Construction Financing

Key Features

Loan to Value 50% to 60%

Interest Reserve

Free and Clear Land Can Be Used as Equity

$5,000,000 to $100,000,000

Ground Up, Rehab, Completion

Most Commercial Property Types

MSA’s Tier 1 and Tier 2

7] SBA 7A AND 504 Financing

Key Features

SBA 7(a) Loan Program

The 7(a) Loan Program, SBA’s most common loan program, includes financial help for small businesses with special requirements. This is the best option when real estate is part of a business purchase, but it can also be used for: 

Short- and long-term working capital 

Refinance current business debt 

Purchase furniture, fixtures, and supplies 

The maximum loan amount for a 7(a) loan is $5 million. Key eligibility factors are based on what the business does to receive its income, its credit history, and where the business operates. Your lender will help you figure out which type of loan is best suited for your needs.

SBA CDC/504 Loan Program

The CDC/504 Loan Program provides long-term, fixed rate financing for major fixed assets that promote business growth and job creation.

504 loans are available through Certified Development Companies (CDCs), SBA’s community-based partners who regulate nonprofits and promote economic development within their communities. CDCs are certified and regulated by the SBA.

The maximum loan amount for a 504 loan is $5 million. For certain energy projects, the borrower can receive a 504 loan for up to $5.5 million per project, for up to three projects not to exceed $16.5 million total.

8] Unsecured Business Line of Credit

Key Features

The unsecured business line of credit is to benefit both startup businesses and established profitable businesses. If your business cannot presently show income, we have stated income products available to quickly grow your business into a profitable powerhouse. If your business has already experienced growth and profit, we have full doc products totaling over $500,000 or more, allowing your business to leverage unsecured funds to continue expansion.