Financing hotels under the conventional loans specially at higher Loan to Value is challenging but combined with a large cashout, it becomes a rare possibility. However, Scientific Capital arranged this $6 million loan with over $1.5 million in cashout at 75% Loan to Value and 25 year amortization. Many banks nationwide have started requiring an FF&E reserve account, not only to mitigate the risk but to establish a deposit relationship. This loan requires an FF&E reserve for the 5-year term of the loan.