- +1 (714) 475-2941
- admin@rpa-us.com
Quick App
Quick App
Quick Loan Application
Please provide the information requested below as completely and honestly as possible. If you don’t know how to answer a particular item, you may skip it for now. After submission, one of our loan officers will contact you for any missing items or clarifications needed. If you provide the information requested, we should have enough data to obtain a pre-qualification or term sheet for you.
When we ask you for supporting documents, please get everything to us in a timely manner. This keeps us from having to ask for updated statements over-and-over again, which is frustrating for everyone. Keep track of any questions that arise, so that you can ask your loan officer for clarification.
The following documents are recommended to be submitted with your application:
- IDs for each borrower (e.g. Passport and/or driver license)
- Rent Roll for Subject Property
Comercial
(if applicable)
- Tri-Merge Credit Report for all borrowers
- Purchase Contract (If Purchase)
- Most Recent Mortgage Statement(s) (if Refinance)
- At least three exterior and interior photos
- Personal Financial Statement (PFS)
- Schedule of Real Estate Owned (Direct or Indirect)
- Business Financial Statements (for existing businesses)
- 12-month (T-12) Operating Statement
For Construction Loans, add the following:
- Proforma Operating Statement
- Budget & Scope of Work
- Plans & Specifications / Construction Package
- Artist Renderings of Completed Project
- Contractor Portfolio or Resume
For Bank or Agency (SBA/USDA/FHA) Loans, add the following:
- Three years' Personal and Business Tax Returns
Thank you for choosing RPA Commercial Loans! We strive to do our best to help you achieve the American Dream!
Requirements
The following documents are recommended to be submitted with your application:
- IDs for each borrower (e.g. Passport and/or driver license)
- Commercial Rent Roll for Subject Property
Commercial
(if applicable)
- Personal Financial Statement (PFS)
- Schedule of Real Estate Owned (Direct or Indirect)
- Business Financial Statement (for existing businesses)
- P&L or Tax Returns for last 2-3 Years
- 12-month or T-12 Operating Statement
- Tri-Merge Credit Report for all borrowers
- Purchase Contract (If Purchase)
- Most Recent Mortgage Statement(s) (if Refinance)
- At least three exterior and interior photos
For Construction Loans, add the following:
- Proforma Operating Statement
- Budget & Scope of Work
- Plans & Specifications / Construction Package
- Artist Renderings of Completed Project
- Contractor Portfolio or Resume
For Bank, Agency, or SBA/USDA Loans, add the following:
- Three years' Personal and Business Tax Returns
Thank you for choosing RPA Commercial Loans! We strive to do our best to help you reach your American Dream!
Contact
- 30 N Gould Street, Suite R Sheridan, WY 82801
-
+1 (844) 250-LOAN (5626)
+1 (714) 475-2941 - admin@rpa-us.com
- Monday-Friday 9AM EST – 5PM PST
RPA Commercial Loans
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About Permanent Bank Loans ​
When most people think about commercial loans, what comes to mind is permanent bank loans. These are 25-year fully-amortized loans, in the minds of most people. They think of these loans, because these are similar to the loans most people have on their residences.
However, permanent bank loans are quite rare. Most permanent loans are going to be on owner-occupied properties. Investors will typically opt for interest-only loans of several years, so as to increase annual cash flow. They don’t want to tie-up money inside a hard asset, so they are quite happy to let the balance ride.
Even with permanent loans, the vast majority of these will be agency loans, with permanent bank loans reserved for the best, most financially-solid borrowers.
Contact us to see which financing option is best for your circumstances.
About Construction Loans
Most construction projects run in the $5 million to $20 million range, with larger construction projects from $20 million to $100 million or more.
Once we get to larger deals, we look to Syndication options that involve multiple banks, mezzanine loans, and private equity, as needed.
Construction loans run similar in process to bridge loans, but on a larger scale. In addition to the standard paperwork for investment loans, we also will need plans/specifications, budget, contractor’s resume or history, and project drawings.
If the deal will be financed as an agency or bank loan, we will also need personal and business tax returns (if applicable).
Note our document checklist for construction loans.
Once we get to larger deals, we look to Syndication options that involve multiple banks, mezzanine loans, and private equity, as needed.
Construction loans run similar in process to bridge loans, but on a larger scale. In addition to the standard paperwork for investment loans, we also will need plans/specifications, budget, contractor’s resume or history, and project drawings.
If the deal will be financed as an agency or bank loan, we will also need personal and business tax returns (if applicable).
Note our document checklist for construction loans.
