Adler Capital
Investment Lending & Debt Advisory
Private Lending & Debt Placement
Program Guidelines & Parameters
Clear, actionable underwriting criteria for Adler Capital debt products. Business-purpose financing exclusively for corporate entities and real estate investors.
Core Loan Programs
- DSCR 30-Year Fixed: Long-term portfolio financing. 30-year amortization with 10-year Interest-Only options. No tax returns or DTI calculation.
- Fix & Flip / Bridge: 12 to 24-month interest-only terms. Up to 90% of Purchase Price and 100% of Renovation Budget (capped at 75% ARV).
- Ground-Up Construction: 18 to 24-month terms for shovel-ready build projects. Up to 85% LTC and 70% Completed Value.
- Small Balance Commercial & 5-8 Units: Multifamily and mixed-use investment assets with streamlined DSCR underwriting.
- Foreign National & ITIN: Eligible up to 70% LTV with passport and international asset verification.
Summary Underwriting Parameters
| Parameter | Program Requirement | Guideline Detail |
|---|---|---|
| Minimum Credit Score | 640 FICO | Mid-score used across 3 bureaus; highest score of principal guarantor for multi-member LLCs. |
| Maximum Leverage (Purchase) | 80% LTV | Based on the lesser of purchase price or appraised market value. |
| Maximum Leverage (Refinance) | 75% LTV | Rate/Term and Cash-Out eligible at 75% LTV for 720+ FICO (70% for 680-719). |
| Minimum DSCR | 1.00x Standard | 0.75x-0.99x and No-Ratio options available with FICO and reserve adjustments. |
| Loan Amount Range | $75,000 - $3,500,000+ | Portfolio blanket loans available up to $10,000,000. |
| Interest-Only Option | Available (10-Year IO) | Reduces initial monthly carrying costs; amortizes over remaining 20 years. |
| Liquidity & Reserves | 3 to 6 Months PITIA | Verified via 2 months bank statements, brokerage accounts, or verified business liquidity. |
| Vesting & Entity | LLC, LP, or Corp | All loans close in a valid business entity; personal guarantee required from controlling members. |
Ineligible Collateral & Transactions
- Primary residences or owner-occupied residential properties of any kind.
- Consumer-purpose or personal credit transactions.
- Raw land without active municipal permits and shovel-ready construction plans.
- Agricultural, working farms, or remote rural acreage without comparable market sales.
- Borrowers with active unresolved foreclosure proceedings or open bankruptcies.
Ready to structure or price a scenario?
Speak directly with our underwriting desk or submit your deal online.
Indicative pricing and parameters are for informational purposes and do not constitute a commitment to lend. All loans subject to underwriting, asset evaluation, title, and final credit approval. Business-purpose financing on non-owner-occupied investment property only. Not consumer mortgage credit. Adler Capital · (305) 853-9040 · info@adlercapital.us.