1. Executive Summary/Loan Request Overview
2. Rent Roll
3. Commercial Lease Summary [if occupied by commercial tenants]
4. Profit & Loss or Schedule E for subject property [three years previous and current year-to-date]
5. Profit & Loss for subject property: 12 months trailing
6. Profit & Loss for subject property: 12 months projected
7. Use of Funds
8. Articles of Incorporation
9. Personal Financial Statement or 1003
10. Schedule of Real Estate Owned: business and personal
11. Tax Returns: business and personal [three years previous]
12. Profit & Loss or Schedule E: all business entities [three years previous, current, and current year-to-date]
13. Balance Sheet: all business entities [three years previous and current year-to-date]
14. Pictures of subject property: interior and exterior color photographs
15. Leases [if occupied by commercial tenants]
16. Questionnaire: Mixed Use Refinance
17. Leases: Multifamily Units
18. Title Officer contact information (Title & Property Profile)
19. Resume or professional biography
20. Borrower Authorization
21. Credit Report
22. Mortgage Statement and or Note/Deed to be paid off
23. Bank Statements [three months previous] (or show equity infusion)
24. Cash Flow Worksheet: for global DSCR calculation [business and personal]
25. Appraisal [past appraisal of property]
26. Property Manager Contract
27. Past capital improvements
28. 4506-T for borrowers and entity
29. Driver License and Social Security Card, or Passport (copy of front and back)