"BRT Financial is a class act and always on the ball. I've been through dozens of these transactions and worked with many lenders and BRT is top notch. There's no
funny business and very professional.
BRT was in control of the process and took the time to research and understand the deal so she could obtain the best funding available. Both the buyer and seller were
impressed with BRT and the deal was done and funded."
"I would like to express my gratitude in sticking with me and getting
my loan funded. The lien finally got cleared. I
appreciate you believing in me and working with me to the end to get
You spent many months with me on this, and I am glad I chose
to call you back instead of the numerous others I could have. Thank you
also for waiving some fees, every bit helps and it really felt like you
were trying to help me rather than take advantage of my situation. This
loan was not just a loan, it is piece of mind and allows me to provide
the best service I can for my patients.
I didn't know if I would get the loan and would have to take from my IRA or credit cards
since the construction is already done. This just makes things simpler.
You have been an easy, knowledgeable, responsive, reliable, and
"Words can't describe how excellent the service was. Turned
down by 1 lender, and offered 50% financing by another lender. But Diana never gave up on
me and got the loan funded. Thank you so much."
"Thanks BRT. You guys are great at
staying in touch. Wish all the banks were like this."
"The best ever, sharp, smart and confident company.
100% on top of everything. BRT Is Amazing. handled the whole process. They really know what
they are doing and I wish I had the individual I dealt with on my team. They wouldn't take
no for an answer from people that were used to saying this can't be done."
"BRT has been great to work with throughout the
whole process. Very dependable and efficient. I would highly recommend BRT financial. Having
an independent liaison between you and the underwriter is a big advantage, especially if they
are on your side. BRT took care of all the communications and followed through every detail.
I would use their service again!"
"I just want to say "Thanks for helping get into my new practice! If it wasn't for you
helping me and knowing the right lender, I would not be in my own dental practice today.
Keep up the good work and good luck to you!"
"I would really like to thank you for your GREAT help in
getting me this hard to fund loan. I tried every bank, no one wanted to help! I know that you
worked hard and made it work. I will definitely refer you to my fellow doctors."
"48 hours after completing the simple on-line application I received notification I
had been approved for unsecured financing and just 2 days later had the money in my account
with a great interest rate and fixed terms with no pre-payment penalties."
"I went to my local bank for financing and they turned me down!
Thank you so much for all your help... 5 payments in and things couldn't be better!!
Thanks again for all of your help this past summer. It sure is nice being able to sleep
at night without worrying about how we were going to pay off those credit cards. My wife
and I can't thank you enough!!! Our other situation has also been resolved without a
problem. The best part is I am saving $2,440.29 per month and I will have it
all paid off in 5 years!"
"BRT financial did a wonderful job assisting me in the acquisition of my physician's
loan. Their extremely prompt and courteous service made the process painless, while
their attention to detail and willingness to listen allowed me to get the loan that
best suited my needs!" Thanks
"When I decided to purchase a chiropractic practice, financing became one of my biggest
concerns. Luckily I was blessed with discovering BRT Financial. My practice
finance specialist, worked one-on-one with me from the very first day. She assisted me
in exploring all my options and always gave the extra time to make sure everything went
smoothly. Thank you, BRT for helping me acquire the practice of my dreams!"
"Today I talked with BRT Financial,
I dealt with them a number of years ago when I was building my practice. BRT is Christian based and is
operated on Christian principles. You can be assured that BRT will be always looking for
what is in your best interest.…"
Eligible Property Types: Medical office buildings, professional office buildings. Single tenant office properties or 51% owner-occupied with long-term leases.
Loan Size: $250,000 - $5,000,000
Eligible Locations: Nationwide
Loan Term Amortization: 15, 20, 25 Years
Collateral: First lien position as certified by title insurance policy on property. Collateral assignment required; subordination of tenant leases may be required.
Debt Service Coverage Ratio: Minimum DSCR of 1:2 depending upon property type, age, physical condition, location, and competitive market position.
Loan-to-Value Ratio: Up to 80% of MAI Appraised Value
Loan Escrows: Borrower may be required to contribute monthly to an escrow account for real estate taxes and property insurance. The borrower may also be required to establish a monthly capital replacement escrow reserve equal to the greater of (a) 5% of gross revenues or (b) an amount to be determined on the basis of an engineering report and site inspection.
Appraisal: Complete Summary MAI Appraisal and Environmental Insurance/Screen or Phase 1 required.
Survey: Updated survey required unless title company agrees to delete the standard exceptions from the title policy.
Reserves at Closing: The borrower shall establish a remediation/repair reserve at closing equal to 125% of required deferred maintenance repairs as indicated in the environmental and architectural/engineering reports.
Eligible Principals: U.S. citizens, permanent resident aliens, non-permanent resident aliens (with restrictions); majority principal owners cannot be on probation or parole.
Recourse: Must be personally guaranteed by all 20% or greater owners of real estate or operating entity.