Nationwide Commercial Loan Programs,Multifamily, Bridge , Land, Hotels, Mixed, Residential, Luxury, Specialty Type Properties, Industrial, Warehouses

Nationwide Commercial Loan Program, Multifamily, Bridge , Land, Hotels, Mixed, Residential, Luxury, RV Parks & Mobile Homes, Industrial & Warehouses

Edward Voccola, LLM , Edward Voccola & Co. LLC, Tel. 617-233-5555, 646-342-4963, Email: Info@EdwardVoccolaLLC.com, or EdwardVoccola@gmail.com, Website: www.EdwardVoccolaLLC.com

Our sole purpose is to fund loans. More specifically, we exist to fill the gap where lending restraints have left many qualified applicants without access to funding. Our custom oriented underwriting approach allows us to not only focus on the numbers but on the entire applicant situation in order to provide an innovative financing structure that meets their needs. We get the job done in days!

Multifamily, Hotels, all kinds of Industrial, Land, Bridge financing, Perm Financing, Mixed, Office, Medical, Warehouses, NNN Properties, Sale Leasebacks, Land leases, Structured Finance, Medical, Retail, Condo Conversions, Rehabs, Constructions, Industrial, RV & Mobile Park Homes, all properties considered.

Nationwide Commercial Loan Program, Real Estate, Bridge , Land, Hotels, Mixed, Residential, Luxury, International, Specialty Type properties

Edward Voccola, LLM , Edward Voccola & Co. LLC, Tel. 617-233-5555, 646-342-4963, Email: Info@EdwardVoccolaLLC.com, or EdwardVoccola@gmail.com, Website: www.EdwardVoccolaLLC.com

Our sole purpose is to fund loans. More specifically, we exist to fill the gap where lending restraints have left many qualified applicants without access to funding. Our custom oriented underwriting approach allows us to not only focus on the numbers but on the entire applicant situation in order to provide an innovative financing structure that meets their needs. We get the job done in days!

• Apartment Buildings

• All Types of Construction

• Medical/Dental Facilities

• Warehouses

• Office Buildings, Retail, Mixed

• Restaurants/Bar/Club

• Industrial- Light/Heavy

• Commercial Condos

• Condo Projects

• Retail/Single/Multi/Centers/Stores

• Gas Stations/Auto Centers Flag or No Flag

• Hotels/B&B/Motels Flag or No flag

• Agricultural

• Manufacturing Facilities

• Auto Facilities

• Leisure & Gaming

• Land- Rural/Urban

• Owner Occupied Business

• Single Tenant Buildings

• Non-permitted Structures

• Self Storage/Mixed Buildings

• Mobile Home Parks/RV Parks/Parking Lots- All Types

• Special Purpose, Religious, Funeral, Sport Facility

• Owner, Non Owner Occupied or Investment

• Sole Proprietorship, LLC or Corporation

• Foreign Nationals

• Visa, Green Card, or None

• Borrowers in Bankruptcy

• Borrowers in Foreclosure or Bailouts

• Owned by Sole Proprietorship, LLC or Corporation

• Borrowers in Probate/Trust

• Trust, Living Trust, Non Revoke

• Attorney in Fact

Eligible Property Types  

Eligible Types of Borrowers  

• Owner User, Non Owner Occupied or Investment

• Purchase Money

• Refinance

• Cash out (No Cap)

• Property Listed for Sale

• Foreclosure/Bankruptcy Bailouts

• Mezzanine Debt/2nd- Purchase

• Properties in Probate/Trust

• Mezzanine Debt/2nd- Refinance/Cash Out

• Purchase Plus Construction

• Purchase Plus Rehab

• Refinance Cash Out Plus Construction

• Refinance Cash Out Plus Rehab

Eligible Types of Loans  

• LTV (Loan to Value) up to 70% (75-80% ltv case-by-case)

• Loan Term: 1, 2, 3, 5, and 7 years

• Interest Only or Amortized Over 30 or 40 Years

• Interest Rates: 7.99% to 10.99% Risk Base Pricing

• No Prepay Penalties Option

• Cross Collateralize for Maximum Loan Amounts

• Not Fico Based, Bad Fico or No Fico OK

• DSCR: NO Minimum Debt Service Ratio

• Sole Proprietorship, LLC or Corporation

• No Occupancy Minimum/Vacancy OK

• No Upfront Fees Ever!

• Low Pricing Available/Risk-Based Pricing

• Stated Income/Siva/No Doc

• As-is Prime, After Repair Value Allowed/Future Value OK/No Reserves Needed

• No title seasoning/Next Day Value Ok/Non Recourse Option

• BK Chapter 7,11,13 OK/Debtor in Possession Program

• No Net Worth or Liquidity Requirements

• No Appraisal Needed Program, Old Appraisal OK Desk Review

• No Min or Max Loan Amounts/Interest Only Option

• Up to 100% CLTV Allowed (combined loan to value)

• Close Loan in 7 Days

Bridge Money Program- Asset Based Lending

• LTV (Loan to Value) up to 80%

• Loan Term: 6 months or 1 Year

• Interest Only Option

• Interest Rates: 9.99% to 11.50% Risk Based

• No Pre-Payment Penalty

• Cross Collateralize for Maximum Loan Amount

• Low Point Options Low Fees

• No Doc, Stated Program

• No Upfront Fees Ever!

• Not Fico Based, No Fico, No Citizenship Needed, TIN OK

• Appraisals Need To Be Approved, Desk or Field Review Needed

• No Reserves Needed No Cltv Option

• No Title Seasoning Needed

• No BK or Foreclosures Last 12 Months

• Down Payment No Seasoning or Gift OK No Liquidity Requirements

• Close Loan 5-7 Days

Private Money Program- Asset Based Lending  

• LTV (Loan to Value) up to 80%

• Loan Term: 3, 5, 7, 10, 15, 20, 25, 30 and 40 years

• Amortized Over 15, 25, 30 or 40 Years

• Interest Rates: 3.625% to 6.37% P&I Rates Change Daily- Market Conditions

• Pre-Payment Penalty 3 Years or 5 Years/Step Down or Yield Maintenance

• No Cross Collateralize

• All Fico Based Criteria Levels

• Level 1: 720+ Fico 80% Max Ltv Purchase, 75% Max Ltv Refinance, Min DSCR 1.20, 85% Ltv Min DSCR 1.35

• Level 2: 680+ Fico 75% Max Ltv Purchase, 70% Max Ltv Refinance, Min DSCR 1.20, 80% Ltv Min DSCR 1.35

• Level 3: 660+ Fico 70% Max Ltv Purchase, 65% Max Ltv Refinance, Min DSCR 1.20, 75% Ltv Min DSCR 1.35

• Level 4: 620+ Fico 65% Max Ltv Purchase, 60% Max Ltv Refinance, Min DSCR 1.20  

• Pricing Based on 6 month Libor Plus Arm Margin Starting at 1.825. Floor equal to intial rate

• Non Recourse plus 1.5 to Margin

• Vacancy Max 15%

• No Upfront Fees Ever!

• Par Pricing Available/Credit and Building DSCR-Based Pricing

• Full Doc Underwriting, Borrower Tax Returns, Building Full Financial Package, Full Appraisal and Reports

• Reserves Needed

• 6 Month Title Seasoning

• No BK or Foreclosures 5 YearsChapter

• Net Worth and Liquidity Requirements

• Close Loan in 30-40 Days

• LTV (Loan to Value) up to 80%

• Loan Term: 3, 5, 7, 10, 15, 20, 25, 30 and 40 years

• Amortized Over 15, 25, 30 or 40 Years

• Interest Rates: 3.625% to 6.37% P&I Rates Change Daily- Market Conditions

• Pre-Payment Penalty 3 Years or 5 Years/Step Down or Yield Maintenance

• No Cross Collateralize

• All Fico Based Criteria Levels

• Level 1: 720+ Fico 80% Max Ltv Purchase, 75% Max Ltv Refinance, Min DSCR 1.20, 85% Ltv Min DSCR 1.35

• Level 2: 680+ Fico 75% Max Ltv Purchase, 70% Max Ltv Refinance, Min DSCR 1.20, 80% Ltv Min DSCR 1.35

• Level 3: 660+ Fico 70% Max Ltv Purchase, 65% Max Ltv Refinance, Min DSCR 1.20, 75% Ltv Min DSCR 1.35

• Level 4: 620+ Fico 65% Max Ltv Purchase, 60% Max Ltv Refinance, Min DSCR 1.20  

• Pricing Based on 6 month Libor Plus Arm Margin Starting at 1.825. Floor equal to intial rate

• Non Recourse plus 1.5 to Margin

• Vacancy Max 15%

• No Upfront Fees Ever!

• Par Pricing Available/Credit and Building DSCR-Based Pricing

• Full Doc Underwriting, Borrower Tax Returns, Building Full Financial Package, Full Appraisal and Reports

• Reserves Needed

• 6 Month Title Seasoning

• No BK or Foreclosures 5 YearsChapter

• Net Worth and Liquidity Requirements

• Close Loan in 30-40 Days

Alternative Portfolio Commerical Program- Light Doc/Soft Money  

• LTV up to 65%

• Loan Term: 3, 4 or 5 Years

• Amortized Over 30 Years

• Interest Rates: 6.875% to 7.99% P&I

• Pre-Payment Penalty 3 Years or 5 Years/Step Down or Yield Maintenance

• Cross Collateralize for Maximum Loan Amounts

• All Programs: Alt 1,2 or 3 Focus On The Building Financial Package and Strength, Not The Borrower- Light Doc Building Only

• Program Alt-1: 640+ Fico 65% Max Ltv Purchase, 65% Max Ltv Refinance, Min DSCR 1.20, 70% Ltv Min DSCR 1.25

• Program Alt-2: 600+ Fico 60% Max Ltv Purchase, 60% Max Ltv Refinance, Min DSCR 1.20, 65% Ltv Min DSCR 1.25

• Program Alt-3: 560+ Fico 55% Max Ltv Purchase, 50% Max Ltv Refinance, Min DSCR 1.25

• Full Recourse Only

• Vacancy Max 30%

• No Upfront Fees Ever!

• Par Pricing Available/Building Based Pricing

• Full Doc Building Underwriting, Building Full Financial Package, Old Appraisals OK, Desk or Field Review Needed

• Light Reserves Needed

• No Title Seasoning Needed

• No BK or Foreclosures 3 Years

• Light Net Worth and Liquidity Requirements

• Close Loan 20-23 Days

SBA Turn Down Commerical Program- Owner Use

Alternative Portfolio Commerical Program- Light Doc/Soft Money  

• LTV up to 65%

• Loan Term: 3, 4 or 5 Years

• Amortized Over 30 Years

• Interest Rates: 6.875% to 7.99% P&I

• Pre-Payment Penalty 3 Years or 5 Years/Step Down or Yield Maintenance

• Cross Collateralize for Maximum Loan Amounts

• All Programs: Alt 1,2 or 3 Focus On The Building Financial Package and Strength, Not The Borrower- Light Doc Building Only

• Program Alt-1: 640+ Fico 65% Max Ltv Purchase, 65% Max Ltv Refinance, Min DSCR 1.20, 70% Ltv Min DSCR 1.25

• Program Alt-2: 600+ Fico 60% Max Ltv Purchase, 60% Max Ltv Refinance, Min DSCR 1.20, 65% Ltv Min DSCR 1.25

• Program Alt-3: 560+ Fico 55% Max Ltv Purchase, 50% Max Ltv Refinance, Min DSCR 1.25

• Full Recourse Only

• Vacancy Max 30%

• No Upfront Fees Ever!

• Par Pricing Available/Building Based Pricing

• Full Doc Building Underwriting, Building Full Financial Package, Old Appraisals OK, Desk or Field Review

SBA Turn Down Commerical Program- Owner User Subprime Program 

• LTV up to 65%

• Loan Term: 3 or 5 Years

• Amortized Over 25 or 30 Years

• Interest Rates: 7.75% to 8.875% P&I

• Pre-Payment Penalty 3 Years or 5 Years/Step Down or Yield Maintenance

• All Programs: Alt-User1, Alt-User2 and Alt-User3 Focus On The Building Financials 

• The Owner User But Not Fico Or Building Occupancy %

• Owner User Needs to Only Occupy 35% of Building, Minimum Qualifying DSCR 1.1

• Program Alt-USER1: 660+ Fico 65% Max Ltv Purchase, 65% Max Ltv Refinance, Min DSCR 1.1, 70% Ltv Min DSCR 1.20,

• Program Alt-USER2: 600+ Fico 60% Max Ltv Purchase, 60% Max Ltv Refinance, Min DSCR 1.1, 65% Ltv Min DSCR 1.20

• Program Alt-USER3: 560+ Fico 55% Max Ltv Purchase, 50% Max Ltv Refinance, Min DSCR 1.1

• Full Recourse Only

• Vacancy Max 20%

• No Upfront Fees Ever!

• Par Pricing Available/Program Based Pricing

• Full Doc Building Underwriting, Building Full Financial Package, Owner User Business Underwriting

• Light Reserves Needed

• No BK or Foreclosures 3 Years

• No Net Worth and Liquidity Requirements

• Close Loan 25-30 Days

SBA 7(a) Commerical Loan & USDA Loan Program-  Government Program  

SBA 7(a)

• LTV max 80%

• Loan Term: 15, 20 or 25 Years

• Loan Size: $500k-$5 million

• Interest Rates: Quarterly Variable Prime Plus 2.75%

• Pre-Payment Penalty 3 Years or 5 Years/Step Down or Yield Maintenance

• Minimum Fico 660

• Minimum DSCR 1.25

• No Upfront Fees Ever!

• Program Based Pricing

• Properties must be 51% owner-occupied and operated.

• Borrowers must have adequate cash flow to cover debt levels and acceptable credit history.

• Light Reserves Needed

• No BK or Foreclosures 5 Years

• Full Doc

• Close Loan 90-120 Days

USDA

• LTV max 80%

• Loan Term: 15, 20, 25 or 30 Years

• Loan Size: $500k-$5 million

• Interest Rates: Quarterly Variable Prime Plus 2.75% But May Change State by State

• Pre-Payment Penalty 5 Years Yield Maintenance

• Minimum Fico 660

• Minimum DSCR 1.25

• No Upfront Fees Ever!

• Program Based Pricing

• Must meet USDA eligibility criteria for rural business location.

• Program is available for properties located in most towns with populations under 50,000.

• Light Reserves Needed

• No BK or Foreclosures 5 Years

• Full Doc

• Close Loan 90-120 Days

DSCR or Debt-Service Coverage-Ratio is a calculation using the income property's annual Net Operating Income or NOI and then divided by the loan's annual debt service to formulate a ratio. Many of our programs require no minimum DSCR. Example if a property has a NOI of $25,000 and the loan has a debt service of $20,000, the DCR would be 1.25.

Ex. 25,000 / 20,000 = 1.25 DCR = 1.25

**What is DSCR?

• LTV (Loan to Value) up to 80%

• Loan Term: 6 months or 1 Year

• Interest Only Option

• Interest Rates: 9.99% to 11.50% Risk Based

• No Pre-Payment Penalty

• Cross Collateralize for Maximum Loan Amount

• Low Point Options Low Fees

• No Doc, Stated Program

• No Upfront Fees Ever!

• Not Fico Based, No Fico, No Citizenship Needed, TIN OK

• Appraisals Need To Be Approved, Desk or Field Review Needed

• No Reserves Needed No Cltv Option

• No Title Seasoning Needed

• No BK or Foreclosures Last 12 Months

• Down Payment No Seasoning or Gift OK No Liquidity Requirements

• Close Loan 5-7 Days

• LTV (Loan to Value) up to 80%

• Loan Term: 3, 5, 7, 10, 15, 20, 25, 30 and 40 years

• Amortized Over 15, 25, 30 or 40 Years

• Interest Rates: 3.625% to 6.37% P&I Rates Change Daily- Market Conditions

• Pre-Payment Penalty 3 Years or 5 Years/Step Down or Yield Maintenance

• No Cross Collateralize

• All Fico Based Criteria Levels

• Level 1: 720+ Fico 80% Max Ltv Purchase, 75% Max Ltv Refinance, Min DSCR 1.20, 85% Ltv Min DSCR 1.35

• Level 2: 680+ Fico 75% Max Ltv Purchase, 70% Max Ltv Refinance, Min DSCR 1.20, 80% Ltv Min DSCR 1.35

• Level 3: 660+ Fico 70% Max Ltv Purchase, 65% Max Ltv Refinance, Min DSCR 1.20, 75% Ltv Min DSCR 1.35

• Level 4: 620+ Fico 65% Max Ltv Purchase, 60% Max Ltv Refinance, Min DSCR 1.20  

• Pricing Based on 6 month Libor Plus Arm Margin Starting at 1.825. Floor equal to intial rate

• Non Recourse plus 1.5 to Margin

• Vacancy Max 15%

• No Upfront Fees Ever!

• Par Pricing Available/Credit and Building DSCR-Based Pricing

• Full Doc Underwriting, Borrower Tax Returns, Building Full Financial Package, Full Appraisal and Reports

• Reserves Needed

• 6 Month Title Seasoning

• No BK or Foreclosures 5 YearsChapter

• Net Worth and Liquidity Requirements

• Close Loan in 30-40 Days

ABOUT EDWARD VOCCOLA & Co. LLC

Edward Voccola & Co. LLC has a national and international hospitality finance platform , looking to fund Multifamily , Hotels , Storage facilities, Senior Housing, Assisted living, Student Housing , Affordable Housing, and Opportunity Zone construction, refinance and acquisition as well as business and cannabis funding in the USA, Canada, Caribbean, Latin America, United Kingdom and EU Countries. We have a team of seasoned real estate finance professionals with Many years of expert experience. We offer our clients a full suite of capital relationship - CMBS lenders, insurance companies, banks, finance companies and debt funds - including many unique options that are not widely available in the market including a robust variety of equity options. looking for $5 Million to $10 Billion . Edward Voccola & Co. LLC offers its clients access to its extensive capital relationships. These sources include CMBS and balance sheet fixed-rate permanent loans, floating and fixed-rate bridge loans, mezzanine capital, DPO financing, as well as institutional and private equity. With its unique access to capital and creative, client-focused approach, Edward Voccola & Co. LLC is able to structure some of the most competitive financing available in the market today. For Further Information please contact Edward Voccola, LLM at 617-233-5555. or 646-342-4963, Email; EdwardVoccola@Gmail.com. Skype edward Voccola

About Edward Voccola & Co.

We are seeking any global and US projects that is capable and makes sense. No upfront fees. We do worldwide lending at 100% that includes most if not all of the costs of processing your loan through funding. The lender charges no origination points. USD $5 Million to $10

Billion in funding. We have a special large project funding niche program through a sovereign fund for projects over $100 million, 100% Equity Funding.

Our goal is to develop an optimal project structure and develop a critical path for the project's success. From beginning stages of project development through to operational completion. Some highlights are interest rate fixed for 10 years at 4.5%, the lender charges no origination fee for the loan and provides joint venture equity to 100%++, the loan is non-recourse, grace roll period on payments to 36 months option available, no repayment penalty subject to no accrued interest at exit, and the first right of refusal to acquire the joint venture lender's share at its then current market.

And finally, please remember that most processing cost will be included and financed along with the project proceeds at funding , thus 100%++Financing.

The 100% preferred funding types are:

-Housing and development,

-All forms of Condominiums and Hotel developments in prime locations/major cities,

-Mixed-Use (Department Stores, Condos, Hotels)

-Resorts w/Marinas, Casinos, Villas, Beach Access

-Waste Management Projects

-Waste- Energy Projects -Biofuels

-All forms of Energy Projects including Power Plants/Hydro, Solar, Wind

-Aqua Culture Projects

-Mining (all types)

-Other types of projects considered on a case-by-case basis

Please note : No Up - Front Fees , but you will be responsible for due diligence and third-party costs associated with the funding requirements for the project once a final approval and commitment to fund is issued.

Send Executive summary, Source and Uses, Bios, 5 Year Projections

Executive Summary- A concise, but through overview that includes: Description of property, Legal Owner, Loan Amount & Use of Funds, Date of Purchase & price, debt service, Sources & Uses, Exit Strategy, The Story, Color Photos.

Operating Income- We need a complete financial picture if not included in ES above:

Current NOI ( If Applicable) & Proforma NOI 5 year Projections,

Other Helpful Items include:

For Initial Assessment:

Project Name, Project Location, New Development or Acquisition, Project Type (Multi-Family, Retail, Etc.), Requested Loan amount, Amount equity in project, Amount of liquidity.

Low rates, Quick response, Quick Turn Times, Creative Thinking in getting your project the best project financing and funding available.

Many Sources of capital: Hedge Funds,Sovereign Wealth Funds, Private Equity, Joint Venture Equity, Direct Investment, China, Hong Kong, U.K., Dubai Investors, Wall Street, Medium Term Notes Investors, Pension, Insurance Companies, Wealthy Individuals and Family Office.

Preferred Locations: USA, Canada, Islands, Latin America, Central America, South America, Europe, Asia, Africa, China, India, Russia, Eastern Europe, Australia, and Mexico.

Programs : (Worldwide Funding)

100% Loan-to-Cost Non-Recourse Sovereign Wealth Fund Funding.

100% Hard Money Construction Loan

100% Preferred Equity/ Equity Loans

100% Credit Enhancement Loans

100%Debt (60%) and (40%) Private Equity Program @4.5% Debt rate

100% Non-recourse Construction Loans

100% Medium Term Notes

100% Hedge Fund CE Program

100% Bank Instrument/SBLV/BG/LCs/SwiftMT 799 & Swift MT760 Monetizing Alternatives

100% Joint Venture Funding

100% Combination Debt and Equity Funding

100% Equity Funding for 100 million and over large projects, a niche program at it"s best

We do have a 100% construction program under $5 Million if you already own the land

We will consider Bank Guarantees, Letter of Credit, Monetizing Alternatives

Over the years we believe successful projects come from almost 100% of the time from the people working their project.

Please note Edward Voccola & Co. LLC services include but not limited to:

Acquisition Finance/ Merger and Acquisition/ structuring the financing (asset and Equity)Leveraged Buyouts, Restructuring and More.

100% Project Funding through 144a Capital Raises, Direct Equity, Private Investors, Sovereign Wealth Funds, Hedge Funds, Pensions, Insurance Companies, Wall Street, Family Offices.

Private Equity- Structuring and Organizing new funds through traditional private equity, asset funds and hedge funds.

Credit Enhancements- We have place highly structured credit enhancement and target risk capital products that provide efficient solutions for large investment projects. In each case, the structured product is tailor-made to efficiently mitigate risk and integrated into the overall project structures.

Collateral Loan Program - Hedge fund CE Program, Medium Term Notes, Bank Instruments/SBLC/BG/LCs/SwiftMT799/SwiftMT760, Monetizing Alternatives

Joint Venture- We understand the design, negotiation and implementation of entity structure to accommodate multiple rounds of financing, equity incentives and most importantly, significant growth. Because we understand the practices and expectations of the venture community, we are equally suited to guide companies planning in venture capital.

Venture Capital-transactions range from early stage seed rounds through late stage venture rounds involving the issuance of preferred stock, convertible debt instruments, warrants, and secured and unsecured bridge debt.

Loans, Financing, Commercial Bridge Loans, Land Loans, Hotel Loans, Construction Loans, Stated and Hard Money are available.

Whatever your financing needs may be, Our firm has the experience and capability to find solid solution to fulfill them.

If you would like to inquire, please send your executive summary, source and use of funds to Edward Voccola, LLM at Email directly to EdwardVoccola@gmail.com please visit our Website at www.EdwardVoccolaLLC.com phone directly to 617-233-5555 or 646-342-4963, Skype edward voccola_1, Thank you for considering Edward Voccola & Co. LLC