How does SBA 504 work for West Orange acquisitions?
10% borrower equity, 50% bank first mortgage (10–25 yr amort, 7.0–8.0%), 40% SBA CDC second mortgage at fixed rate (~6.2%) fully amortizing 20–25 years with no balloon. For $1.45M on 10K SF: $145K down, $725K bank, $580K FBDC. Monthly P&I ~$10K–$11K — comparable to market rent. Business must occupy 51%+, be for-profit, meet SBA size standards. FBDC handles application, typically closing in 45–60 days.