Small Balance Loan Report
A conformance determination scoped to what a small-balance multifamily lender actually files. The zoning status and the summary, without the sections an SBL credit file never uses.
Built for the SBL credit file
Agency small-balance programs ask a narrower zoning question than a full commercial acquisition does. This report answers that question and stops there — which is why it costs less than the full report rather than more.
- Site and use status for the subject property
- Current zoning classification and governing ordinance
- Legal, legal non-conforming, or non-conforming determination
- Rebuild and abandonment terms where the use is non-conforming
- A trimmed summary of findings
- Underwritten reliance language
- The Use & Property Conformance section
- Dimensional tables — setbacks, coverage, FAR, height
- Parking count analysis
- Sources beyond the zoning ordinance itself
- The full exhibit and appendix set
If the loan is not an agency small-balance product, or the lender's checklist asks for setbacks and parking, order the full Zoning Conformance Report instead. A subset report cannot be extended into one after delivery.
Questions commonly asked
Direct answers, the ones we get on calls.
- The report is built around what small-balance programs ask for, and underwritten reliance is included exactly as it is on the full report. Checklists do vary between lenders and between programs — send yours before we open the file and we will tell you plainly whether this report covers it or whether you want the full Zoning Conformance Report.
- Because it is less work, not lesser work. The same analyst reads the same ordinance to the same standard; the dimensional analysis, the parking count and the exhibit set are simply not performed. Where the research overlaps, the discipline is identical.
- That is exactly the case this report is bought for. You get the determination, the rebuild threshold, and the abandonment period — the three terms that decide whether the loan can proceed — with the ordinance sections behind each.
- Not at the difference in price. The dimensional and exhibit work is a separate pass, so an upgrade is ordered as a new Zoning Conformance Report. If there is any chance the file will need setbacks or parking, start there.
Often considered alongside
Zoning Conformance Report
The full determination with dimensional tables, parking analysis and the exhibit set. Order this when the checklist asks for more than status.
Learn moreDocument Retrieval
Pull the ordinance, plat and prior approvals on their own when your own analyst is handling the determination.
Learn moreStart your zoning due diligence
Request a same day quote with clear pricing and turnaround. Most reports are completed within five to ten business days once required documents are received.