Owner-Occupied
Bank Statement
Qualify self-employed owners on twelve months of business bank statements instead of tax returns.
- Up to 80% LTV
- $100K – $2M
- 650+ FICO
Deal turned down? Send it to us. When a deal does not fit traditional guidelines, Acoma Capital Partners has the programs and capital to get it done. Send your declined, stalled, or hard-to-place commercial loans and you get paid.
Since the ’90sIn commercial real estate
$100K–$20MLoan range
Same dayStraight read on your deal
CommercialOnly, never consumer
Who Sends Us Deals
Four doors to the same table.
Everyone here is holding a commercial deal that needs a home. Find the one that fits, and send it over.
A banker with a turndown
Your file was solid and the box still said no. Hand it over. We qualify on bank statements, on the property, or on credit and equity, and we close the ones the bank walked away from.
Send the scenario →A wholesaler who needs financing
You have the deal under contract and need capital to close or to carry it. Bridge and hard money from $100K to $20M, qualified on the property and the exit.
See financing →A placement agent or Silver Tsunami partner
You work with seniors and families in transition. Send the building or the referral. We handle the sale, the financing, and the cleanup, and you earn on what closes.
Work with us →A family selling or refinancing
A commercial property that needs to sell, or a loan that needs to be refinanced. We are a licensed brokerage and we place the financing. Tell us about the property.
Commercial options →Our Loan Process
How it works, start to funded.
Every deal runs the same clear path. You submit it through the Broker Portal, and from there you always know where it stands.
1
Intake application
You submit the deal through the Broker Portal with the basics on the borrower and the property.
2
Authorization to pull credit
The borrower signs an authorization so we can pull the credit report and read the file accurately.
3
LOI and rate issued
We issue a letter of intent with the rate, term, and structure we can get done.
4
List of conditions
A clear checklist of what the file needs to reach closing. No surprises later.
5
Appraisal ordered
We order the appraisal and third-party reports the property requires.
6
Submission
The complete file goes to the capital source for underwriting.
7
Conditions cleared
We work the conditions down to zero and move the file to the closing table.
8
Funded
The loan closes and funds. Your borrower is done, and you get paid.
How We Finance It
Our Loan Programs.
When the deal needs capital, these are the ways we get it done. $100K to $2M on the programs, up to $20M on a bridge. Start at the top for the most leverage, and drop a tier only when the documentation is not there.
Commercial Investors
Lite Doc
Reduced documentation for commercial investors. No tax returns and no 4506-T.
- Up to 80% LTV
- $100K – $2M
- No tax returns
No Income Verification
No Doc
Financing without tax returns, bank statements, or operating statements.
- Up to 75% LTV
- $100K – $1M
- 700+ FICO
Credit required. A qualifying credit score is required, starting at 650. Both rate and terms improve as the score rises.
Need speed instead of maximum leverage? A bridge or hard money loan qualifies on the property and the exit, from $100K to $20M.
Why Acoma
Someone who has closed it before.
Commercial, not consumer
Acoma works commercial real estate: sales, financing, and the deals a bank will not touch. That is the whole focus.
Decades in the market
Gino Rodrigues has worked commercial real estate and lending in Colorado since the 1990s. You are dealing with someone who has closed these before.
A licensed brokerage
Acoma Capital Partners, Inc. is a licensed Colorado real estate company. We arrange financing through third-party capital and never take a principal position.
Have a deal in mind? Let's talk.
Send the scenario and get a straight read, usually the same day. Property type, the ask, and a rough credit picture is enough to start.
(720) 772-1327 · Gino Rodrigues · Acoma Capital Partners