AS INTERBAY FUNDING PREFERRED PARTNERS, WE ALSO HAVE A NETWORK OF LENDERS RANGING FROM 300k - 500M GET YOUR LOAN FUNDED F-A-S-T!!! COMMERCIAL SBA LOANS

mailto:bayportalcompanies@gmail.com

http://www.westshoremall.shoppingcartsplus.com/f/Commercial_Loan_Packet_CALL_440_668_0887_.pdf

Choosing the right SBA or commercial lender that will give the most aggressive and thorough options is very difficult, and the ability to recognize which company will best meet your needs generally comes down to lengthy conversations and research.

Commercial property loan brokers can seem very similar- and in fact a lot of them are- but Bay Portal Companies, Inc. is different.

If all we said was that BAY PORTAL COMPANIES, INC. offers the most aggressive and practical commercial loan options in order to earn your business, our unique business ethic would be lost in the endless numbers of similar commercial loan lenders trying to earn your business.

We only staff skilled, intelligent professionals, who recognize the importance of individual interactions in the lending business. Not only are our commercial loan officers knowledgeable and informed, but we truly are friendly as well to make every interaction positive.

Over 400 Certified Commercial Loan Sources Means Business!!!

Why is BAY PORTAL COMPANIES, INC. the best choice? We provide our clients with the results that undeniably meet or exceed every expectation. Finding the best lender for your particular commercial property loan needs shouldn’t be based on the marketing gimmicks used by a company, but the pride and resourcefulness of the team.

To find the best option, only integrity, knowledge, and resources will determine the end result. Our firm foundation is solely based on providing our clients with the service and aggressiveness that is undeniably required.

Many clients have given their testimonial, and we look forward to hearing yours. We work hundreds of direct lenders, which enables us to pass on the benefits of direct pricing to our clients.

We have the options to deliver the results required from a commercial property lender. We have the tools to make any commercial loan fit your demanding needs.

The next step is up to you! If you understand that we are able to provide you with the most competitive commercial property loan option, then the difficult part is over.

To truly understand the simplicity of our broker system, fill out the easy 3 step application or call 440.636.3662 to speak with Monica, Ken or Bruce. We look forward to providing answers and help.

BAY PORTAL COMPANIES, INC. has access to loans for all commercial property types. Property types include warehouses, hotels and motels, light industrial properties, retail and office buildings, self-storage facilities, multifamily housing, mixed use apartment buildings, restaurants, special purpose and other unique properties. (For descriptions of property types click here.)

All of BAY PORTAL COMPANIES, INC.’s commercial loan officers and processors are trained in all various loan types including conduit loans, bridge loans, commercial construction loans, permanent first mortgage loans, mezzanine loans, and others including extended term financing.

There is a new loan program which allows the borrower to state their income and assets. Full documentation is not required and the program is only available for loan amounts under $1 million. (Click here for more information.)

Types of Commercial Lenders

Conduit Lenders-These lenders pool their loans, securitize them and sell them off to Wall Street. Therefore conduits have unlimited cash for deals that aren’t good enough for life insurance companies. Conduit lenders are known to be very lenient, as long as the property type meets their requirements. A debt service coverage ratio usually needs to be around 1.20%. (Click here for more information about a debt service coverage ratio.) Borrowers can have average credit and the property does not have to be as new as life insurance companies require.

Life Insurance Companies are extremely risk adverse. The property must cash flowing and usually needs a debt service coverage ratio of 1.35. (To learn more about a debt service coverage ratio click here.) Loan to value ratio should be less than 70%. The loan must be over $500,000 and the property must be less than 5yrs old, brand new is preferred. The borrower’s net worth should be 1.5 times the loan amount and good credit is a must.

Savings & Loans lenders are cash flow lenders. Standard property types include office, retail, or industrial (concrete or brand new steel-skinned). They will lend up to 75%.

Banks look at balance sheets. They prefer the borrower to have a liquid net worth. Bank deposits and good credit history determine the approval of the loan. Business properties loans can be considered if the business is very successful.

Credit Companies look at tax returns. Business property loans are given if they are supported by tax returns. The borrower must have good credit. If tax returns are good, the close ratio will be high.

Private Investors have increased in the last few years. With the increase of commercial properties and creation of competitive aggressive programs, private investors will sometimes loan up to 100% of the property. BAY PORTAL COMPANIES, INC. has a new private investor that will do stated income and stated asset down to a 575 credit score. (For more information click here.)

Hard Money lenders are quite a few of them, lend off the equity of the property. Credit is usually not very important and a negative cash flow can occur.

Commercial Lender Specialists Trained To Help You With Your Finances.

Steps to Calculating the Debt Service Coverage Ratio (DSCR)

The most important ratio to understand when making income property loans is the debt service coverage ratio. Here is the formula:

DSCR =Net Operating Income (NOI)/ Total Debt Service

To better understand the Debt Service Coverage Ratio is to understand the numerator and denominator. Let’s take a look at the net operating income first.

Net Operating Income is the income from an income property less all the operating expenses:

Scheduled Rents $150,000

Less 5% Vacancy & Collection Costs $7,500

Effective Gross Income $142,500

Less Operating Expenses
            Real Estate Taxes
            Repairs
            Insurance
            Maintenance
            Utilities
            Management
            Replacement Reserves

Total Operating Expenses $35,000

Net Operating Income (NOI) $107,500

Please Note:

Do not include mortgage loan payments for the property as an operating expense.

Please remember that most lenders insist a management factor of 3-6% of the effective gross income even if the property is managed by the owner. The reason for this is the lender figures they will have to pay for the management of the property if they took back the property.

Lenders require a vacancy factor of usually 5-10% of the gross income to cover any collection cost or vacancy cushion.

Now let’s figure out the denominator. The Total Debt Service includes all the principal and interest payments, (on all mortgages) on the property. Do not add in the insurance or tax expense, they were already accounted for in the Net Operating Income (NOI).

Finished! Now divide the Net Operating Income (NOI) by the mortgage payment(s). Here is an example:

Net Operating Income = $107,500

Total Debt Service (Mortgage payments) = $80,000

DSCR=$107,500/ 80,000 = 1.34%

DSCR=1.34%

Most lenders require that the DSCR be higher than 1.10%, certain factors like the loan to value may warrant going below 1.10% and even below 1% if the loan to value is around 65%.

Interbay Funding, Commercial Loans, Hard Money, Silver Hill and Wall Street Money! This Comprehensive Portal Offers Information on SBA Business Loans and Commercial Real Estate Financing! 300k - 500M Network!!!

"Trust is the biggest honor we can earn in this business. Integrity is the definition of our true success!"

Get the facts and help you need. We are experienced and savvy commercial bankers, with a team of processors and underwriters who understand borrowers and co-brokers' needs! You didn't pick the house or business that was best for someone else, you picked the one that's right for you! Trust our professionals to find the mortgage loan that best fits your needs, too. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan is like getting the keys to your new house! We can help you get there.

NO NONSENSE COMMERCIAL LOANS

"GET THE ADDED VALUE OF DISCOUNTS AND
SAVINGS ON YOUR NEXT BUSINESS LOAN!"

Tri-Merge Credit Report - ALL THREE BUREAUS

Certification and Authorization Form

Bio/Resume reflecting investor experience / industry experience

Environmental disclosure

Copy of current rent roll - copy of leases

Copy of most recent title insurance policy

Copy of purchase agreement (where applicable)

Copy of hazzard insurance policy

Copy of survey

.JPEG images of property/land/buildings (compilation of exterior and interior)

Copy of most recent real estate tax bill

Executive Summary stating what does this scenario make good strategic sense to pursue

Personal and Business Financial Statements

Check for $350 for File Handling Fees and $2,000 Commitment Fee(Commitment Fee is charged only after RATE/TERMS/FEES accepted by borrower, as once rate/terms/fees are agreed to, we have a contract to deliver our services, and we are paid on the premise that the appraisal, ability to re-pay loan, assets and D.S.R. are sufficient, but we cannot offer Letters Of Intent - those must come from Underwriters upon criteria being met. Due to the volume of work and closing times with commercial, we must charge fees as we cannot work for free. Nor do we wish to be leveraged once we offer terms that a borrower agrees to. If we identify a rate and terms our client agrees with, we have done our role and earned our fees. Funding is based on providing the needed documents and criteria that underwriter requires. Our Processing fees are subtracted from borrower's closing costs upon the loan FUNDING, and we give all our customers the choice between lower closing costs or lower rates. We are up front about PAR Rates and we never charge anything beyond Origination Fees and Commitment Fees. With Bay Portal Companies, there are NO JUNK FEES and we pioneered giving discounts on Appraisals or EPA Surveys at Closing! Don't settle for Residential experts. Look to Bay Portal Companies, because Business/Commercial Loans is what we do! *Ask how you can have Bay Portal Companies train your associates to start making money in Commercial TODAY!

When you decide on a commercial mortgage, it's a big step. You can trust us to find the loan program that's best for you. Get your Letter of Interest today! CALL 440-808-8926 or call 440-636-3662 TODAY!

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Bay Portal Companies, Inc.

26509 Russell Rd Bay Village, OH 44140

Phone: 440-808-8926 Cell: Fax: 440-250-8889

E-mail: bayportalcompanies@gmail.com

INTERBAY

PREFERRED
PARTNER

"Get Better Pricing With Us"

CALL (440) 636-3662

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WHEN WAS THE LAST TIME SOMEONE OFFERED TO REBATE YOUR EPA SURVEY OR COMMERCIAL APPRAISAL? GET PAR RATES, STRAIGHT TALK AND F-A-S-T FUNDINGS. E-MAIL BAYPORTALCOMPANIES@GMAIL.COM

Commercial, SBA, Wall Street, Hard Money and Home Loans Quoted Same Day!

Why Look to a Residential Loan Officer for Your Business Loan Needs? Call Bay Portal Companies!

(440) 636-3662

"WE DO COMMERCIAL / BUSINESS LOANS. PERIOD." WE FOCUS ON SBA, TIER 1,2,3 and TIER 4 COMMERCIAL MORTGAGES. WE HAVE A STABLE OF MORE THAN 500 SOURCES INCLUDING WALL STREET, HARD MONEY, INTERBAY, SILVER HILL, AND A HOST OF OTHER PRIVATE SOURCES! LET US GET YOUR LOAN FUNDED F-A-S-T! WITH US THERE ARE NO UPFRONT FEES PLUS ASK US ABOUT OUR DISCOUNTS ON COMMERCIAL APPRAISAL FEES AND EPA FEES! GET THE LOW-COST LOAN YOU DESERVE! CALL BAY PORTAL COMPANIES AND YOU'LL BE IN BUSINESS!

Monica Cobbeldick is the Number One Realtor for RESULTS! Sell4Free Direct Realty (440) 250-8888 SEARCH Cleveland Ohio HOMES FOR SALE Click Here Search here from over 1,500 homes currently listed in the Cleveland , Ohio area. Find your first, next or investment home in Bay Village, West Lake, Rocky River, Avon, Avon Lake, North Olmsted, North Ridgeville, Lakewood and all the best communities in the region. Here is your finest resource for home information, photos, property descriptions, maps, tax info, schools, etc.
Click Cleveland Area Homes for Sale to get started.

Take a look at this month's FEATURED PROPERTY
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Get FREE reports on appraisals & market value, common Q&A about buying or selling a home, disclosure, escrow and closing costs, lease options, pricing your home for a quick sale, property taxes, seller financing, short sales, tax considerations, negotiating strategies, selling your home for full price, whom to contact, and more.
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Have you ever wondered, "What's the current value of my home in today's market's?"
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INTERBAY FUNDING PREFERRED PARTNER, BRUCE COBBELDICK HAS NETWORK OF LENDERS RANGING FROM 300k - 500M GET YOUR LOAN FUNDED F-A-S-T!!! COMMERCIAL SBA LOANS

Nationwide Lender Commercial & SBA Loans US Business Loans, Interbay, Silver Hill AND 400 OTHER SOURCES! CALL (440) 808-8926 TODAY!

Business and SBA Loans

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Fax Your Loan Docs to Us!

Recommend This Website to residential loan officers, real estate agents, CPA's, accountants or financial planners! Call 440.668.0887 today!

Co-Broker Cmcl Loans Here

Commercial Co-broker Kit

Interbay Funding Commercial Loans and 9 OTHER LENDERS Offered Here! Land Loans, Commercial Loans, Residential Loans in all 50 states! We are a lender and we WILL SAVE YOU MONEY! Get the low-cost loan you deserve with Bay Portal Companies, Inc.

Hard Money, Commercial and SBA Lenders

Recommend Website

Mixed Use Commercial

Mixed Use Commercial

Church Loans Underwriting

Shopping Centers / Retail

Choose Interbay Funding Stated Commercial Loans or one of our Full-Doc, Stated, or Wall Street Money Investors to fund your scenario F-A-S-T!

Business/Cmcl Loan Forms

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Interbay Funding Stated Program Commercial Loans

Office Building Loans

Contact Bruce Cobbeldick for Commercial Real Estate And Residential Real Estate Loans. My team prides itself in saying, YES!

Farm Loans

Hard Money, Commercial Real Estate, Land Loans, SBA Business Loans, Stated, Full-doc, and Co-Brokering Services for Residential Loan Officers Nationwide!

Commercial Industrial

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InterBay Funding Stated Programs Available and Full-Doc Commercial Apartment Loan Questionnaire

SBA Loans thru Bay Portal Companies

http://www.westshoremall.shoppingcartsplus.com

Owner Occupied Commercial

Far More Than Just Interbay Funding or Silver Hill, we offer Stated Income - Stated Asset Loans on Restaurants and Bars, Apartments, Light Industrial and Retail/Mixed Use Scenarios and Full-doc up to 500M! Call (440) 808-8926 today!

Special Purpose Property

Church Loans

Commercial Loans Portal Offers Business Loans, Hard Money Loans and Commercial Real Estate Financing Nationwide!

Commercial Mortgage Loans

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COMMERCIAL LOANS, SBA LOANS, HARD MONEY, LAND LOANS AND CONSTRUCTION LOANS - - - Get FAST Fundings, Ask About Our New Wall Street Conduit and Business Factoring Available!

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Visit Our Real Estate Portal for Information, Rates, Tools and Tips

Carteret Mortgage

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Commercial Business Loans

INTERBAY FUNDING COMMERCIAL LOANS

Fax-Back Loan Comparison Call 440-808-8926

Call (440) 808-8926 and get the low-cost loan you deserve!

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Owner Occupied Commercial

Interbay Funding, Commercial Loans, Hard Money, Silver Hill and Wall Street Money! This Comprehensive Portal Offers Information on SBA Business Loans and Commercial Real Estate Financing! 300k - 500M Network!!!

Commercial Loans

From InterBay Stated Income and Wall Street Money to Hard Money and Commercial Banking and Insurance Industry Investment Funds, We Offer Full-Doc Commercial Mortgage Services For FAST CLOSINGS TO MEET YOUR DEADLINES AND BUSINESS OBJECTIVES!

COMMERCIAL REAL ESTATE LOANS

Commercial Loan Help

Contact Bruce Cobbeldick for Commercial Real Estate And SBA Loans. My team prides itself in saying, YES!

Click filename below to access file

Commercial_Loan_Packet_CALL_440_668_0887_.pdf

Commercial, Business, SBA, Jumbo

Super Jumbo And Hard Money Loans

Nationwide Open 7 Days From 9am-9pm

Bruce Cobbeldick,

Founder, CEO

Bay Portal Companies, Inc.

"We answer our phones 7 days a week. We are an BUSINESS LOAN lender in all 50 states.

Look to us for your low-cost loans - HARD MONEY - Business - SBA - Private Lenders Available also!!!

Bruce Cobbeldick
440-636-3662 Cell
440-808-8926 Home

Get the Low-Cost Loan You Deserve!

We Co-Broker Commercial Loans Offering .250 - 2 pts.

Browsing around for that perfect commercial real estate loan? Look no further! We focus on commercial real estate loans. We can help you find the loan program you need to suit your specific situation. If you would like to find out more about what Bay Portal Companies can do for you and your business, please click here Have a great day!

Commercial Real Estate loans in Ohio
We will help get you a Commercial Real Estate Loan in Ohio - find your county ...

Adams, Allen, Ashland, Ashtabula, Athens, Auglaize, Belmont, Brown, Butler, Carroll, Champaign, Clark, Clermont, Clinton, Columbiana, Coshocton, Crawford, Cuyahoga, Darke, Defiance, Delaware, Erie, Fairfield, Fayette, Franklin, Fulton, Gallia, Geauga, Greene, Guernsey, Hamilton, Hancock, Hardin, Harrison, Henry, Highland, Hocking, Holmes, Huron, Jackson, Jefferson, Knox, Lake, Lawrence, Licking, Logan, Lorain, Lucas, Madison, Mahoning, Marion, Medina, Meigs, Mercer, Miami, Monroe, Montgomery, Morgan, Morrow, Muskingum, Noble, Ottawa, Paulding, Perry, Pickaway, Pike, Portage, Preble, Putnam, Richland, Ross, Sandusky, Scioto, Seneca, Shelby, Stark, Summit, Trumbull, Tuscarawas, Union, Van Wert, Vinton, Warren, Washington, Wayne, Williams, Wood, Wyandot,

We can help get you a Commercial Real Estate Loan in Ohio - find your city ...

Akron, Alliance, Amelia, Amherst, Archbold, Ashland, Ashtabula, Athens, Aurora, Avon, Avon Lake, Barberton, Barnesville, Batavia, Beachwood, Bedford, Bellaire, Bellbrook, Bellefontaine, Bellevue, Belpre, Berea, Bowling Green, Brecksville, Broadview Heights, Brookville, Brunswick, Bryan, Bucyrus, Burton, Cadiz, Cambridge, Canal Fulton, Canal Winchester, Canfield, Canton, Carrollton, Celina, Chagrin Falls, Chardon, Chesterland, Chillicothe, Cincinnati, Circleville, Cleveland, Cleves, Clyde, Columbia Station, Columbiana, Columbus, Conneaut, Cortland, Coshocton, Cuyahoga Falls, Dayton, Defiance, Delaware, Delphos, Dover, Dublin, East Liverpool, Eaton, Elyria, Englewood, Fairborn, Fairfield, Findlay, Fostoria, Franklin, Fremont, Galion, Gallipolis, Galloway, Geneva, Georgetown, Germantown, Girard, Goshen, Grafton, Granville, Greenfield, Greenville, Grove City, Groveport, Hamilton, Harrison, Hartville, Heath, Hebron, Hilliard, Hillsboro, Holland, Hubbard, Hudson, Huron, Independence, Ironton, Jackson, Jefferson, Johnstown, Kent, Kenton, Lancaster, Lebanon, Lewis Center, Lima, Lisbon, Lockbourne, Logan, London, Lorain, Louisville, Loveland, Madison, Mansfield, Maple Heights, Marietta, Marion, Martins Ferry, Marysville, Mason, Massillon, Maumee, Medina, Mentor, Miamisburg, Middlefield, Middletown, Milford, Millersburg, Minerva, Mogadore, Monroe, Mount Gilead, Mount Vernon, Napoleon, New Albany, New Carlisle, New Lexington, New Philadelphia, Newark, Newton Falls, Niles, North Lima, North Olmsted, North Royalton, Northfield, Norwalk, Novelty, Oak Harbor, Oberlin, Olmsted Falls, Oregon, Orrville, Ottawa, Oxford, Painesville, Pataskala, Paulding, Perrysburg, Pickerington, Piqua, Plain City, Pomeroy, Port Clinton, Portsmouth, Powell, Ravenna, Reynoldsburg, Richfield, Saint Clairsville, Saint Marys, Salem, Sandusky, Shelby, Sidney, Solon, Springboro, Springfield, Steubenville, Stow, Streetsboro, Strongsville, Sunbury, Swanton, Sylvania, Tallmadge, Tiffin, Tipp City, Toledo, Toronto, Troy, Twinsburg, Uhrichsville, Uniontown, Upper Sandusky, Urbana, Van Wert, Vandalia, Vermilion, Wadsworth, Wapakoneta, Warren, Washington Court House, Wauseon, Waverly, Waynesville, Wellington, West Chester, West Union, Westerville, Westlake, Wheelersburg, Wickliffe, Willard, Willoughby, Wilmington, Wooster, Xenia, Yellow Springs, Youngstown, Zanesville,

These are some of the common business types can we do Commercial Real Estate Loans for ...

Auto Rental Yards, Auto Service, Bed and Breakfast, Building and Construction Loans, Car Wash, Church Buildings, Combination of Commercial and Residential, Day Care, Funeral Homes, Hotel and Motel, Light Industrial, Mobile Home Park, Multi-Family 5+ Units, Non allowed building types, Office, Restaurant, Retail Sales, Self Storage, Warehouse,

Some of the common keywords associated with Commercial Real Estate Loans
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Some of the common loan types associated with Commercial Real Estate Loans
Acquire or Expand a Business, Acquisition and Development Project, Adult Care, Apartment Complexes, Apartments 5+ Units, Asset Financing, Asset Leasing, Automotive Repair Shop, Bars, Bed and Breakfast Inn, Boutique Hotel, Boutique Motel, Bridge and Private Money, Cocktail Lounge, Equipment Financing, Equipment Leasing, Gas Station, Hard Money Financing Programs, Large Balance Commercial, Mezzanine Financing Programs, Mobile Home Park, Motel, Multi Family Units, Nursing Home, Office Complex Funding, Office Financing Programs, Purchase, Restaurant, Self Storage Unit, Small Balance Commercial, Special Use Hotel, Stated Assets., Stated Income Financing!

Thank you for looking to us for your low-cost loan. We appreciate your interest in our mortgage company. Our goal is to return all phone calls within 1 hour and provide pre-qualification letters with same day service. We offer both commercial and residential loans from lenders, investors, hard money sources, Wall Street and conduits. We realize that TRUST is hard earned and easily lost!

With more than 600 sources for financing your home or business, we offer our clients choices in either full-doc or stated income-stated asset programs.

In order to expedite your mortgage loan application, it is imperative that we have the following items to assemble a file that will meet our underwriter’s policies and procedures:

We need 2 years financials on your business, its estimated appraised value, the current loan amount if it is a refi, or its purchase price. We require point of contact and financial information on the owners as well as annual revenue and expenses.

Depending on whether or not this is a full-doc loan, a standard 4506 form maybe required. We ask for bank statements, tax filings and financials for the past 3 years if possible. Minimum of 2 years required. For traditional financing, a credit score of 600 and above is needed if the mid-score is below 600, or turn-around time is less then 30 days, a hard money source can be offered for scores below 600 or closings that require funding in 21 days or less.

If you are interested in a residential home mortgage or investment property, we need a 1003 application filled out, signed and dated as well as your written permission to pull a tri-merge credit report, along with a loan submission sheet in order to secure a pre-approval letter. This all can be done in a timely manner if we have our borrower(s) cooperation and the documentation listed herein.

Thank you once again for looking Bay Portal Companies, Inc. for the low-cost loan you deserve!

All the best,

Bruce Cobbeldick, Sales and Training Director,

Ken Tonegato, General Manager,

Rick Newbrough, Sr. Loan Officer

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Bay Portal Companies is your preferred real estate finance source! Bay Portal is your complete real estate lending and investment company. Founded in Bay Village Ohio, the company is the home of 100% Residential Financing, Fast Commercial and Private or Hard Money loans primarily in NE Ohio and we have nationwide contacts, underwriters, co-brokers and investors. The company is approved with over 400 residential and commercial lenders and has a rolodex of private investors that can address any and all of your real estate lending and investment needs. Our Residential team includes mortgage brokers that specialize in A-Paper to sub-prime, purchase or refinance residential mortgage loans. The company offers various loan products for all those unique needs. Whether it is money for debt consolidation (home improvements, a new car, or child's college education), purchasing a new home or just lowering that monthly payment, Bay Portal can tailor a loan to specific needs and we make the process simple and hassle-free. Our Commercial team includes licensed mortgage brokers that specialize in arranging commercial property loans and financing. A commercial property loan is structuring funding or financing for a new or existing property. Commercial property may be any actual property engaged or focused in business, including but not limited to, apartments, condo projects for re-sale, multifamily, office buildings, industrial, warehouses, shopping centers or malls, sub-divisions and land. Our Private or Hard Money team includes licensed mortgage brokers that fund Real Estate investments secured by trust deeds on Real Estate. Examples include but are not limited to land and development projects (i.e. construction loans, rehabs, condo conversions, and etc.), income producing properties (i.e. apartments, office buildings, etc.) and owner and non-owner occupied residential. Bay Poral offers these loans, which are all secured by Real Estate, to investors who seek a secured investment that earns significantly higher returns than other fixed income investments. Need to pre-qualify yourself or a client? Simply call one of our team members and we can help you today! Or simply click here to fill out our fast and easy Pre-Qualification Form and you will be contacted by one of our team members within 24 hours with a Pre-Qualification Letter! 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