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740+ score for borrowers
$135K combined income
PFS shows liquid assets to $125K
Equity in their current home is another $100K

Buying a vacant building for $330K in a small town
Building is in good shape but hasn't had any activity in 4+ years
Wife is a widow who lost her husband and wants to get rid of it.

Trying to get a commercial loan to 25-30 years on this.
Already have a hard money loan offer on the deal with 30% down and a 8% APR and 3 points.