- Can Pereff finance my project? → No — Pereff is not a lender. Pereff facilitates bank relationships as a value-add based on the client's financials. For qualifying healthcare projects: up to $1.2M facilitated for dental new-starts; 100% facilitation for ground-ups including soft costs. For qualifying multifamily: HUD-insured loans, up to 98% LTV, 40-year amortization, non-recourse, fixed rate, fully assumable. Project/sponsor/market dependent; route to Stephen.
- How does HUD 98% LTV multifamily work? → For qualifying multifamily, the loan can reach 98% LTV (vs. conventional ~65–80%). HUD-insured, GNMA-backed, AAA credit enhancement. 1-year minimum HUD review for new starts. Pereff facilitates — Pereff is not a lender.
- What's the difference between SBA 504 and 7(a)? → File
04; 504 = fixed-rate real estate/equipment, 7(a) = flexible/working capital; combined SBA cap now $10M (2026). - I want to occupy the building myself — what's best? → Likely SBA 504 (owner-occupied real estate, fixed rate, low down).
- I'm an investor/developer — what financing fits? → Construction loan + permanent (or construction-to-perm); HUD/agency for multifamily; or Pereff's integrated program.
- What's a draw schedule? → Staged release of construction funds against completed, inspected work.
- Is this financial advice? → No — general education; underwriting is lender-specific; talk to Stephen to structure it.
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