Two active lending categories
SBC is designed for eligible commercial properties and business-purpose transactions, including owner-occupied commercial scenarios and investment property structures. DSCR is designed for eligible rental-property investors, with the property’s cash flow playing a central role in qualification. Availability depends on the applicable program rules.
Useful before an application
Start with the public guides for state and scenario context, then use the Mentor to describe the actual property, transaction, and borrower profile. Public information is educational; the complete file controls.
Guidance for borrowers
Property owners and investors can start with the public guides, describe the scenario in the Mentor, and continue into a secure application when the initial facts fit. The application and underwriting process determine the final result.
What the first review covers
A useful conversation connects the property and transaction to the borrower profile: purchase or refinance purpose, requested leverage, occupancy, documentation, credit, reserves, and location. That structure helps separate a promising scenario from a question that needs more information.
What happens after the starting point
If the initial facts appear aligned, the borrower can continue into a secure application. The complete review then verifies identity, property information, income or rent, liabilities, documentation, program eligibility, and closing requirements.