Market Index Rates
Indices:

   3-month UST Bill

 .04 %

   2-year UST Note/Bond

 .22 %

   1-year UST Note/Bond

 .11 %

   5-year UST Note/Bond

 1.82 %

   7-year UST Note/Bond

 1.28 %

   10-year UST Note/Bond

 1.92 %

   15-year UST Note/Bond

 2.22 %

   30-year UST Note/Bond

 3.12 %

   LIBOR 30 Day

 .20 %

   LIBOR 90 Day

 .28 %

   LIBOR 6 Month

 .4254 %

   10 year LIBOR fixed rate swap spread 13 BPS Rate=

 1.94 %

   12-MTA 12 Month Average Treasury Trailing

  0.169 %

   Bank prime rate

 3.25 %

   Discount rate

 .75 %

   Federal funds rate

 .12 %

   11th District Cost of funds (COFI)

 0.967 %

   CD 12 month certificate of deposit

 0.25 %

   5-year CMT Constant Maturity Treasury

 1.338 %

   Fannie Mae 30-year mortgage

 3.6 %

   5 Yr.Term/20YrAmort - FHLB

 1.30 %

   20 YrTerm/20YrAmort - FHLB

 3.20 %

   Baa rated seasoned Corporate Bonds

 4.63 %

   Aaa rated seasoned Corporate Bonds

 3.80 %
Commercial Mortgage and Financing Rates
Loan Amounts:   from $500,000 to  $72,000,000,000
Property Type
Nationwide & INTERNATIONAL
Fixed % Rate/Yr. Min. Fixed % Rate/Yr. Max. Min B.P. Spread Max B.P. Spread Max. LTVMin. DSCR

typical Loan term (Years) 

Amortization (Years) MaxTypical index Yield
 (Base + Spread)
Multifamily - Residential 2.338 % 5.338 %  100  400  80 %  1.25   5 year fixed plus various 5 year renewals balloon or self Liquidating  30 5-year CMT Constant Maturity Treasury
Multifamily Jumbo Stabilized Rental >$25 Million per Asset
Float to Optional Fixed Rate. Large Single Asset Multifamily Rental >$25mm/property. Rate indicated is the floating rate. Index mimics LIBOR but historically has been .1% to .29% cheaper so spread is estimated interpolation.
 1.1354 % 1.3254 %  71  90  80 %  1.20  Floating ARM with optional convertible to long term fixed rate  Interest Only Considered or 30 year amortization LIBOR 6 Month
Condominium Conversion and/or Condo Construction 2.78 % 4.08 %  250  380  99 %  1  1-10yrARM (Mezz At higher Rate)  30 LIBOR 90 Day
Owner Occupied User 0.45 % 3.5 %  -30  275  75-100 %  1.25  5 yr fixed or 25 ARM  25 Discount rate
Multifamily Residential &/or underlying Coops; Jumbo>$3mm 2.92 % 5.22 %  70  300  85 %  1.1  5,7,10,25,30,35  25,30,35 15-year UST Note/Bond
Multifamily - Residential 2.97 % 5.22 %  75  300  80 %  1.25  10 Yr. Fixed  30 15-year UST Note/Bond
Multifamily - Residential 2.28 % 4.78 %  100  350  75 %  1.25  5(+5+5+5+5+5)  25,30 7-year UST Note/Bond
Multifamily - Residential 3.12 % 5.72 %  90  350  75 %  1.25  30 Yr. Fixed  30 Yr. Self-Liquidating 15-year UST Note/Bond
Multifamily - Residential Rental Purchase or Development >$3MM 3.79 % 4.62 %  157  240  92.5 %  1.1  35, 40 Years Fixed  35, 40 Years 15-year UST Note/Bond
Senior Housing 3.79 % 5.22 %  157  300  85 %  1.1  10,35  30,35 15-year UST Note/Bond
Retail: Anchored 2.97 % 3.47 %  75  125  80 %  1.25  10,15  25,30 15-year UST Note/Bond
Retail: Unanchored 2.97 % 3.47 %  75  125  75 %  1.3  10,15  25,30 15-year UST Note/Bond
Mobile Home Parks 3.32 % 5.22 %  110  300  80 %  1.1  10,15  25,30 15-year UST Note/Bond
Office and Medical Buildings 2.33 % 4.53 %  105  325  80 %  1.25  10,15  25,30 7-year UST Note/Bond
Industrial / Warehouse 3.27 % 5.47 %  105  325  80 %  1.25  10,15  25,30 15-year UST Note/Bond
Self Storage 4.85 % 7.05 %  105  325  75 %  1.25  10,15  25,30 Aaa rated seasoned Corporate Bonds
Gas Station&convenience store 5.32 % 6.72 %  310  450  75 %  1.3  20,25  20,25 15-year UST Note/Bond
Mixed - Use 3.02 % 5.32 %  80  310  75 %  1.3  15,25  15,25 15-year UST Note/Bond
Subdivision-Acquis./ Development 4.25 % 12.75 %  100  950  50-100 %  1.25  1-3  interest only Bank prime rate
Hotel / Motel (full & limited) 3.72 % 10.22 %  150  800  75 %  1.4  1-25  1-25 15-year UST Note/Bond
Casino / Golf Course / Resort / Gaming 1.42 % 10.22 %  120  1000  65-100 %  1.35  1-5  interest only 2-year UST Note/Bond
Church / Synagogue 2.47 % 12.22 %  225  1200  75 %  1.6  10, 20  20, 25 2-year UST Note/Bond
Asset Based Lending:
any Non income producing Land, equipment, machinery & other Assets
 0.45 % 6.25 %  -30  550  50 %  n/a  1-3  interest only Discount rate
Factoring, loans against accounts receivable & inventory 1.28 % 5.28 %  100  500  95 %  n/a  1-3  interest only LIBOR 90 Day
Non-Investment credit tenant
with net worth of $5,000,000+ -via bondable sale triple net lease back, tenant improvement, build to suit construction equipment financing, real estate backed
Corporate Takeovers, Leveraged Buyouts,
Mergers and Acquisitions
 5.22 % 7.22 %  300  500  100 %  1.3  co-terminus  self amortizing 15-year UST Note/Bond
Investment grade credit tenant financing with S&P rating of BBB+ or stronger-via bondable sale triple net lease back, tenant improvement, build to suit construction equipment financing real estate backed,purchase or refi.
Corporate Takeovers, Leveraged Buyouts,
Mergers and Acquisitions
 2.47 % 7.72 %  25  550  125 %  1  co-terminus  self amortizing 15-year UST Note/Bond
Investment grade credit tenant Floating Rate Revolving Line of Credit Financingwith S&P rating of BBB+ or stronger-via bondable sale triple net lease back, tenant improvement, build to suit construction equipment financing real estate backed,purchase or refi.
 1.28 % 2.02 %  100  174  80 %  1.001  Revolving 12 Mos. or Up to 5 years  Interest Only LIBOR 90 Day
Construction - Rehabilitation and Development
with or without permanent takeout financing
 2.28 % 8.28 %  200  800  100% LTCost & LTV=75 %  n/a  < 24 months  interest only LIBOR 90 Day
Line of Credit Personal or Bus 1.28 % 3.78 %  100  350  n/a %  n/a  12 month renewable  interest only LIBOR 90 Day
FAST CASH-PRIVATE LENDER-Closings from 24 Hours+! 0.089 % 0.18 %  8.9%  18+%  65 %  n/a  6-12+Months  Interest Only 


1 to 4 Family Residential Mortgage Rates
Assumptions
Loan Size Category Type of Loan RatePoints:
Origination &/or Discount
Maximum LTV and remarks
 We no longer offer Residential 1 to 4 Family Mortgages. We only offer commercial and multifamily financing. 30 Year Fixed  1  up to 65-95 % PP / 65-75 % Refinance
    

Notes:B.P. = Basis Points. There are 100 basis points in every 1% or annual rate.

The indices in the market index rates section are the cost of fund rates commonly used by lenders to determine the borrowers' interest rate.

Disclaimer: Above rates and terms are to error and change without notice. Minimum and maximum rates and LTV's are program guidelines; however, they may be higher or lower depending upon change, credit, condition, character, location and underwriting LTV, DSC, etc. No offer or commitment to lend is being made without an application, approval and formal written commitment to lend through www.LichtensteinRE.com Direct Lender and/or LREB NYS.  Andrew Lichtenstein, Inc. does not make direct private money 1 to 4 family residential mortgage loans as these are procured through third party providers.

 

LichtensteinRE®™.com   Toll Free Number:1-800-242-9888   E-mail: LichtensteinRETM@aol.com

NYC Apartment Buildings

Serving Bronx, Brooklyn, Manhattan, and surrounding areas.

The rate charts on this page can be used as a basic guideline when looking for financing for the purchase of NYC apartments buildings. Please note that this is just a guideline and these numbers are subject to fluctuate. For the most current numbers please contact us to discuss the NYC apartment building you are looking to purchase along with the neighborhood; Manhattan, Bronx, Brooklyn or surrounding areas.