It generally requires a credit score of 680, but there may be some variation depending on the product and situation. Interest rates start at 4.5% on the Lendio platform for commercial property loans. Terms range from 20 to 25 years and take a minimum of 45 days to fund. Taxpayer, a single filer, has wages of $180,000 and $15,000 of dividends and capital gains. Taxpayer’s modified adjusted gross income is $195,000, which is less than the $200,000 statutory threshold. In order to arrive at Net Investment Income, Gross Investment Income (items described in items 7-11 above) is reduced by deductions… Read More