Our client focus was on lowest possible term at 80% LTV. In spite of concentration on hotels, Scientific Capital was able to arrange a loan low 4% fixed rate and 25 year amortization at 80% loan to the acquistion cost (which included 400K of PIP funds). Banks have become fairly selective and are picking higher brands and this menas much higher level of effort by Scientific Capital in search for lenders with appetite for other brands but still at very competitive rates.