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Commercial Property Guidelines
Loan-to-value (LTV) ratios, loans terms, amortization, and required debt service coverage differ by property type. Multi-family properties receive the most favorable terms; special use properties receive the least favorable.
| Property Type |
| 90% |
80% |
1.00 |
1.25 |
30y |
30y |
| 90% |
75% |
1.00 |
1.25 |
30y |
30y |
| 90% |
80% |
1.00 |
1.20 |
40y |
40y |
| 98% |
80% |
1.15 |
1.20 |
40y |
40y |
| 90% |
75% |
1.20 |
1.25 |
30y |
30y |
| 100% |
80% |
1.18 |
1.20 |
35y |
35y |
| 90% |
80% |
1.20 |
1.20 |
35y |
35y |
| 90% |
80% |
1.18 |
1.25 |
30y |
30y |
| 90% |
75% |
1.18 |
1.30 |
30y |
30y |
| 90% |
80% |
1.20 |
1.20 |
30y |
30y |
| 90% |
75% |
1.18 |
1.25 |
30y |
30y |
| 90% |
75% |
1.20 |
1.30 |
30y |
30y |
| 80% |
75% |
1.45 |
1.45 |
25y |
25y |
| 85% |
75% |
1.18 |
1.50 |
25y |
30y |
| 65% |
65% |
1.50 |
1.50 |
10y |
25y |
| 75% |
75% |
1.25 |
1.25 |
15y |
25y |
| 65% |
60% |
NA |
NA |
15y |
15y |
| 90% |
80% |
1.25 |
1.25 |
3y |
Interest-only |
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Texas Lone Star Lending
812 Sunfish, Lakeway, TX 78734
(512) 261-1542 |
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| A branch of Hometown Mortgage, Inc, McAllen, TX |
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© Copyright 2007-2010 Texas Lone Star Lending, LLC. All rights reserved.
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