The Five Cs of Credit in the Apartment Building Mortgage Lending Business

The Five Cs of Credit in the Apartment Building Mortgage Lending Business

“Loan underwriters often refer to the five Cs of credit when evaluating and underwriting loan applications. What are the five Cs and how do they affect mortgage lending on apartment properties? The five Cs are: capacity, capital, character, collateral and conditions. We will attempt to explain each of these items and their effect on apartment lending credit decisions.”

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