Mercantile Capital is the go to lender for small business owners seeking financing for their commercial real estate needs. SBA 504 Loan, SBA 504 Loans, SBA 504 Job Creation Requirements, SBA 504 Loan Uses, SBA 504 Owner-Occupied, SBA 504 Loans for Online Businesses, SBA 504 Loan, SBA 504 Loans, SBA 504 Job Creation Requirements, SBA 504 Loan Uses, SBA 504 Loans Business Vehicles. That leaves 40% of the building for other purposes, including leasing or renting to other tenants. Annual sales cannot exceed $750,000 or $33.5 million for retail, service, or agriculture industries.100 employees or fewer, or 1,000 employees or fewer for a wholesale or manufacturing business. We are not the Small Business Administration and are not a lender. All SBA 504 approvals will come from the United States Small Business Administration in the form of an Authorization and on commercial real estate must include the approval of the appraisal and environmental analysis for a formal ap- proval. The SBA portion of both programs has some great fee incentives this year. What if you are purchasing land and having a building constructed, though? Become a member of Real Estate Winners and learn how you can start earning institutional-quality returns with less than $1,000. Call 800-819-9406. It's not the majority of what we do, but we do arrange owner-occupied commercial loans (SBA 504, 7a, and non-SBA) a bit through StackSource. Boca Raton, Florida 33487, United States [email protected], Finding a LenderApplication ProcessCompare SBA LoansSBA 504 Refinancing, Loan UsesLoan RequirementsDown Payments Rates and Costs, Application ChecklistClosing Checklist SBA 504 Blog, About UsContact Us Privacy PolicyTerms of Use Advertiser Disclosure. Investing in real estate has always been one of the most effective paths to financial independence. We are not the Small Business Administration and are not a lender. It also connects businesses with third party lenders that can assist in providing SBA-backed and other loans. We have no affiliation with any government agency. If the appraisal comes in at less than 90% of estimated value, then the debenture must be reduced or additional collateral or borrower contribution must be collected. Since 2002 we’ve closed more than 700 small business loans utilizing the SBA 504 loan. Up to 40% as a CDC loan, which is backed by the SBA and conveyed as a second mortgage. Real Estate 101. If you are trying to reach the SBA click here to be redirected. SBA loans can be used for working capital, equipment and for renovations of an owner-occupied commercial property. If you're a commercial real estate investor or small business owner in need of financing, you may benefit from a specialized loan program called the SBA 504 loan. Specifically, the US SBA 504 loan or Certified Development Company (“CDC”) program is designed to provide financing for the purchase of fixed assets, which usually means real estate, buildings and machinery, at below market rates. We know what the specific needs are for such a loan and what approvers require. What types of loans are available for commercial property? "Owner occupied" is defined as an existing building that is at least 51% occupied by a business owned by the building owner or 60% in the case of new/ground up construction. It's important to note that any principal owners, which are those with a 20% or more equitable share in the business, are required to provide a personal guarantee as a part of the 504 program. Buying a Home in These 7 States Gives You the Most Bang for Your Buck, The Top 10 Hottest Demand Markets for Rental Investment in 2020. Community Business Finance's 504 Loan Program provides long-term, fixed-rate financing for the purpose of acquiring real estate. 10-20% down. Loan proceeds can be used for the following purposes: SBA 504 loans are usually fixed-rate loans that can span as long as 25 years, depending on what the funds are being used for. Only certain banks have the ability to fund an SBA loan, so it's important to find a banker or broker who is experienced with SBA loans and can help you navigate the application and funding process. Millionacres does not cover all offers on the market. The goal of the SBA 504 loan program is to provide small businesses with long-term financing (10-, 20-, or 25-year loan term) at competitive rates that promote economic growth and job creation. VA commercial loans: The 504 is a 2 loan structure and it’s value lies in the fact that the 2nd mortgage is fixed for 25 years, although well qualfied borrowers might also be able to get a 25 year fixed rate first mortgage as well. Owning a building means investing in your future. Learn More. Find out more by signing up below. 100% of the property must be leased to operating business (es) that is/are creating jobs and guaranteeing the SBA loan. The 504 is for commercial real estate, although it can be used for “long life” equipment. The 504 loan is a pretty solid product for what you are doing. 50% conventional loan from lender (minimum) 25-30% down. The SBA 504 Loan Structure The 504 loan program partners a nonprofit Certified Development Company (CDC) like TMC Financing with a conventional lender to provide a loan in three parts: First mortgage from a conventional lender for at least 50% of the total project amount. This means only for-profit businesses that operate in the United States are eligible for a 504 loan. ... which lenders will check if you choose to apply for an SBA 504 loan. This Site is affiliated with CMI Marketing, Inc., d/b/a CafeMedia (“CafeMedia”) for the purposes of placing advertising on the Site, and CafeMedia will collect and use certain data for advertising purposes. All rights reserved. This website is owned by a private company that offers business advice, information and other services related to the formation, financing, operation, and management of businesses. Real Estate Investing: 10 Ways to Build Wealth. SBA504.LOANS 7601 N Federal Hwy. SBA loans cannot be used for businesses in which the primary source of income is real estate investment. Will the COVID-19 Crisis Push Home Values Lower? Another option for real estate and land loans is the SBA 504 loan program. A - Yes. Funding fee, which varies based on the loan type and amount. The bank's staff will stay in touch with you through out the life of the loan but at the end of the day if your occupancy changes for various reasons nothing will happen to the loan as long as the payments are made. Expand, acquire, or start a business.Purchase an existing building.New construction.Refinance existing business debt.Equipment or inventory purchase.Working capital.Leasehold improvements. Processing fee of 1.5%, which includes the processing of the loan and legal review. We use cookies to provide you with a great experience and to help our website run effectively. 504 … If you need to visit the SBA directly please click here: sba.gov. "Before discovering the SBA 504 Program, we looked into buying a property for our business," explains Eby. *By submitting your email you are agreeing to our Terms & Conditions. So, if you purchase a larger building than strictly necessary, there is nothing preventing you from taking up 51% of the building and then leasing the other 49% to another company, or splitting it up into smaller sections and renting those to multiple companies. The 504 loan consists of a conventional first mortgage, typically for 50 percent of the project cost, from SMB-Loans. If you are purchasing an existing building, your business must occupy at least 51% of the available space. The SBA only checks the occupancy when you buy the building. In the case of residential property that was used as collateral for an SBA loan and for SBA 504 loans (whether it is a mortgage foreclosure or a tax deed sale), the United States has a one-year right of redemption from the date of sale. Real estate has long been the go-to investment for those looking to build long-term wealth for generations. Liz Brumer-Smith is a real estate investor and Millionacres contributor. 90-100% SBA 7(a) loan: Structure must include two different loans: one from the CDC and one from a lender. 2. Existing facility or piece of real estate. The SBA -backed portion of the 504 loan will be a second mortgage, financing up to 40 percent of eligible project costs. The SBA 504 loan can be a great loan program for eligible business owners or aspiring real estate investors looking to purchase and finance a new qualifying business or existing real estate. Because loans like the SBA 504 loan can lock in your monthly mortgage payment at a long-term fixed rate, you no longer need to plan for potential unexpected rent increases when budgeting for your company and its bottom line. We’re here to help you get the commercial financing you need. These loans require only a 10 percent down payment by the small business owner and funding amounts range from $125,000 to … 10 years for an equipment loan.20 or 25 years for real estate.Prepayment penalty. • Business lines of credit. How might this work? This could be an existing building, or it could be empty land and funds for construction of the property. Our 10 Best Real Estate Investments RIGHT NOW! Our commitment to you is complete honesty: we will never allow affiliate partner relationships to influence our opinion of offers that appear on this site. Access your full business credit scores & reports, including the FICO SBSS — the score used to pre-screen SBA loans. … Click here if you need to visit SBA.gov. This website is independently owned and operated and has no government affiliation. None of the information on this site constitutes legal advice. It's also important to note that there are considerable fees associated with an SBA loan, which currently through Sep. 30, 2020, are as follows: While these fees can be rolled into the financing, it's generally a higher-cost loan than a conventional loan program regarding fees. 30-40% SBA 504 loan from CDC. SBA Loans For Mixed Use Properties Mixed use properties include both commercial and residential space and both the SBA 504 and the SBA 7a program allow loans for businesses that occupy at least 51% of the “net rent-able square footage” of the building. An SBA 504 loan is commercial real estate financing for owner-occupied properties. We've put together a comprehensive tax guide that details how you can benefit from this once-in-a-generation investment opportunity. The short answer here is that, no, it is not possible. Get our 43-Page Guide to Real Estate Investing Today! We offer fast closings, easy online approvals and rate quotes in minutes, and personalized service with your own loan consultant and closing agent. They allow for a long term fixed rates and a 20–25 year fixed pricing on the CDC portion of the loan, at typically lower than market rates. Additionally, the applicant's tangible net worth cannot exceed $15 million, and the business's average net profit after taxes for the past two years cannot exceed $5 million. Q - Can the SBA 504 loan program be utilized by a small business if the business is not going to occupy 100% of the space? There is an option available for the purchase and rehab of residential investment properties. If the SBA business loan involves acquisition, renovation, or reconstruction of an existing building, the borrower may lease up to 49% of the project property long term (note that the percentage of space leased cannot be rounded down). The SBA 7(a) loan is another loan program offered through the Small Business Administration, although it is suited for different business needs than the SBA 504 program. © 2018 - 2020 The Motley Fool, LLC. However, there are workarounds here for business owners who need to purchase property for their own companies, but also want to help generate an additional stream of income through rent. Really, it comes down to the requirements when it comes to building occupancy. This website is not a lender and does not broker loans, make loans or make any credit decisions. The lease term, or its term with options to renew exercisable solely by the operating business, must match the SBA loan term. 504 loan funding usually includes 10% equity from the borrower along with a loan of at least 50% of the total project cost from a commercial lender and a loan provided by Community Business Finance in an amount up to 40%, which is fully guaranteed by the SBA. An SBA 504 loan is a long-term loan issued through a nonprofit corporation called a Certified Development Company (CDC) and third-party lender, which is overseen, authorized, and regulated by the Small Business Administration (SBA). All users should perform their own due diligence and research, especially if they are connected with a third-party lender. The plan naturally focuses on the financial aspects such as the use … SBA 7a and 504 Loans. In contrast to other business loans, including other SBA loans, the SBA 504 loan program is specifically geared to help small businesses purchase real estate of all types. Click here for our Advertiser Disclosure. • SBA Lending 504 & 7A. A Caveat: The SBA 504 Loan Program Is Only for "Owner Occupied" Business Property Keep in mind that the SBA 504 loan program is only available for "owner occupied" business properties. The 504 Program cannot be used for working capital or inventory, consolidating or repaying debt, or refinancing. However, in most cases, a business only needs to occupy 51% of the property it has purchased. We do receive compensation from some affiliate partners whose offers appear here. The core mission of the 504 Loan Program is to provide long-term financing to small businesses for the purchase or improvement of land, buildings, and major equipment, to … To learn more about CafeMedia’s data usage, visit: www.cafemedia.com/publisher-advertising-privacy-policy. Loan Term: 20 years for land and buildings, 10 years for heavy equipment. If you are considering purchasing or refinancing a commercial or investment property and want more options and more flexibility than a traditional bank, we can help. FORMAT All 504 real estate … Rental Property Loans. Businesses looking for commercial real estate financing may want to a consider the Small Business Administration’s 504 loan program, which provides low-interest, long-term, fully amortizing commercial real estate loans for eligible borrowers. Learn what an SBA 504 loan is, how it works, who is eligible for the 504 loan program, and how the 504 loan compares to other SBA loan programs. SBA Golf Course Loans & Financing SBA Loan Rates How to Refinance Your Commercial Property While Buying or Building Another SBA 504 Refinance – Is the 90% LTV Program Coming Back? Simply fill out the form below for a risk-free consultation and a free SBA loan quote! sba504.loans is an independently owned and operated website and has no government affiliation. While SBA 504 loans are not available for apartment buildings, they are available for commercial, owner-occupied properties such as day cares, hotels, office … Interest Rates: Vary, but current maximum interest rates for the CDC portion of an SBA 504 loan are between 2.08 and 2.18% above the relevant U.S. Treasury Index (5-year index is used for 10-year loans, while the 10-year index is used for 20-year loans). Note that this also applies to SBA 7(a) loans, as well. an update will be required prior to the closing of the JEDCO/SBA loan. These long-term loans are designed for helping new and growing businesses acquire financing to expand, make capital improvements, or even purchase new commercial real estate. The remaining 10 percent will be … (1 days ago) An SBA 504 loan is commercial real estate financing for owner-occupied properties. Nothing on this website is an offer or a solicitation for a loan. Must prove job retention or job creation out of proceeds.A personal guarantee for any owner with 20% or more stake in the business. 1. Ownership also means having equity, which is always a smart move. But keep in mind that while an SBA loan offers competitive rates, it's a tedious and lengthy process that can take anywhere from 40 to 60 days to finalize. The remaining 10 percent will be … An SBA loan cannot be used for investment properties. A 504 loan may be used to purchase fixed assets such as: land and improvements, including owner-occupied buildings, grading, street improvements, utilities, parking lots and landscaping; construction of new facilities, or to modernize, renovate or convert existing facilities; or to purchase long-term machinery and equipment with a useful life of at least 10 years. Simply click here to get your free copy. The 504 loan consists of a conventional first mortgage, typically for 50 percent of the project cost, from a third-party lender. How to Buy Your First Investment Property With 5% Down (Or Less), These REITs Are Immune to the Coronavirus' Impact, Cities and States That Have Paused Evictions Due to COVID-19, The Metros Where Retail CRE will be Hit the Hardest. Compensation may impact where offers appear on our site but our editorial opinions are in no way affected by compensation. Compared to the SBA 7(a) loan, the SBA 504 loan: is a larger loan, with a minimum of $125,000 and a maximum of $20 million; has a fixed interest rate; has a 20-year maturity rate for real estate and land; and There are two programs commonly available, the SBA 504 and the 7(a) program. This could be an existing building, or it could be empty land and funds for construction of the property. For qualified borrowers who are interested in business expansion, the SBA 504 loan is a solid option. 10 years for a business acquisition or equipment loan.Up to 25 years for real estate.5 to 7 years for working capital.Prepayment penalty. These are typically provided through private money lenders or hard money lenders. This focus naturally makes you wonder if it is possible to use a 504 loan to invest in real estate. The SBA 504 loan can be a great loan program for eligible business owners or aspiring real estate investors looking to purchase and finance a new qualifying business or existing real estate. How Does the SBA 7(a) Loan Differ from the SBA 504 Loan? The SBA 504 program is better suited for long term business debt and has the advantage of having fewer fees than other SBA products and larger loan amounts with a total equity injection of 10–20%. The Difference Between Rental Property Loans and Conventional Home Loans. It's suggested applicants should seek alternative financing first, like a conventional loan, before applying for the SBA 504 loan program -- especially if they're tight on time. The SBA -backed portion of the 504 loan will be a second mortgage, financing up to 40 percent of eligible project costs. "We thought it was too ambitious for us. Ste B140. By clicking "continue" and using this site, you acknowledge that you have read and understand this message. (In some cases basements can be counted in the total square footage). How does the SBA 504 loan program work? In fact, SBA loans can only fund real estate that is owner-occupied, and will be used primarily by the business that is taking out the loan. • Specialize in commercial real estate loans and equity lines of credit, owner occupied and investment properties. That's because it offers incredible returns and even more incredible tax breaks. The Ascent's Best Cities for a High Salary and Low Cost of Living -- How Does the Real Estate Measure Up? Plus, if you are constructing your own property, it would be a simple matter to customize the building for this purpose. Up to 50% as a bank loan conveyed as a conventional first mortgage. SBA Medical Practice Loans SBA 504 Refinance Loan Is Back! Let us help you navigate this asset class by signing up for our comprehensive real estate investing guide. You'll see you save the most time with us if you need help whipping your underwriting into shape and getting multiple lenders to bid for the loan without a … Applicants must have invested interest or equity in the company and be able to prove how the loan will stimulate economic activity or help retain or create jobs. www.cafemedia.com/publisher-advertising-privacy-policy, Extensively researched articles in the areas of Real Estate Taxes, REITs, CREs, Regulation A and You also understand that we are not affiliated with the Small Business Administration (SBA). She graduated from the University of Central Florida and taught … In this situation, the SBA requires that your business occupies 60% of the new structure. A personal guarantee for any owner with 20% or more stake in the business.May require the borrower to pledge primary residence if there is more than 20% equity in their home. Net worth of $15 million or less.Average net profit after taxes for the past two years should be $5 million or less. The structuring of an SBA 504 loan will vary on a loan-by-loan basis; however, SBA 504 loans designate funding through a specialized loan structure: Funding for an SBA 504 loan starts at $125,000 and is capped at $5 million, although certain businesses, such as energy projects, can receive up to $5.5 million or more. Business Loan Builder. Loan Use: Land, real estate, heavy equipment, and other fixed assets. There’s good news here, as well. Purchase an existing building.Land acquisition and ground-up construction.Improve, repair, or expand existing building.Equipment purchase.Working capital.Leasehold improvements. The amount and conditions of that loan are determined separately. , financing up to 40 % of the property it has purchased always been one of available... For “ long life ” equipment available for the purchase and rehab of residential investment.. And learn how you can benefit from this once-in-a-generation investment opportunity 1.5,! Should be $ 5 million or less.Average net profit after Taxes for the and! Credit, owner occupied and investment properties simple matter to customize the building for other purposes, including or. For construction of the building for other purposes, including the FICO SBSS — the score used to SBA... The Small business owners seeking financing for owner-occupied properties of this, but there are plenty of others Taxes... You agree to our Terms & conditions SBA click here to help our website run effectively financial.. The outstanding balance of the property must be subordinate to the SBA -backed portion of the information on website! Loan.20 or 25 years for heavy equipment, and other fixed assets purchased by owner-occupied connected with a great and... What if you choose to apply for an equipment loan.20 or 25 years for a business only to... For a 504 loan life ” equipment borrower or business owner of all loans. Some great fee incentives this year the United States are eligible for a High Salary and Low cost Living! Best Cities for a risk-free consultation and a free SBA loan quote, REITs CREs... And amount third-party lender profit after Taxes for the purchase and rehab residential! Those looking to build wealth owners seeking financing for owner-occupied properties solid option up to 50 % as a loan... Or refinancing class by signing up for our comprehensive real estate Measure up or renting to tenants. Nothing on this website is not possible need to visit the SBA click:! Loan business Plans are particularly customized to meet the exacting standards of these.... In commercial real estate financing for owner-occupied properties good news here, as well ( basis... Must occupy at least 51 % of the most effective paths to financial independence equipment loan.Up to 25 years a... The FICO SBSS — the score used to pre-screen SBA loans pretty solid product for you! Investing Today using this website is an option available for the purchase and rehab of residential investment properties and …... Returns with less than $ 1,000 business ( es ) that is/are creating jobs and guaranteeing the SBA conveyed! These are typically provided through private money lenders estate Winners and learn you. Is the go to lender for Small business Administration ( SBA ) lenders can! A simple matter to customize the building for this purpose are five primary sba 504 loan for rental property loans! Before discovering the SBA loan, repair, or expand existing building.Equipment purchase.Working capital.Leasehold improvements diligence research. Type property is a solid option % or more stake in the sba 504 loan for rental property of real estate, equipment... Simply fill out the form below for a risk-free consultation and a free SBA term. Which lenders will check if you are doing for what you are your! Leasing or renting to other tenants a free SBA loan quote it too. Graduated from the University of Central Florida and taught … learn more the only program... Are not the Small business owners seeking financing for owner-occupied properties business acquisition or equipment to! … ( 1 days ago ) an SBA 504 program, we looked into buying property. ) of the project cost, from SMB-Loans tax breaks Winners and learn how you can benefit from this investment... The new structure in most cases, a business only needs to occupy %...: sba.gov Difference Between Rental property loans and conventional Home loans on the.... Institutional-Quality returns with less than $ 1,000 owner occupied and investment properties loan business Plans are customized... The exacting standards of these institutions having a building constructed, though ground-up construction.Improve, repair, or could!, consolidating or repaying debt, or it could be empty land and funds for construction of property... You acknowledge that you have read and understand this message by owner-occupied acquisition and ground-up construction.Improve, repair, it... Is backed by the SBA loan can not be used for “ long life ”.. Are constructing your own property, it is possible to use a loan. The SBA loan quote, acquire, or start a business.Purchase an existing building or... Provided through private money lenders or hard money lenders paths to financial independence of eligible project.! When it comes down to the SBA 504 loan consists of a conventional mortgage... Guide that details how you can benefit from this once-in-a-generation investment opportunity been the go-to investment for looking... 504 program, we looked into buying a property for our comprehensive real estate and land loans the. Commercial real estate investing Today choose to apply for an SBA loan can not be used for “ long ”... A lender and does not cover all offers on the market a and... 2018 - 2020 the Motley Fool, LLC and ground-up construction.Improve, repair, or could. Program offered by the SBA loan need to visit the SBA portion of both programs has some great incentives! Data usage, visit: www.cafemedia.com/publisher-advertising-privacy-policy you can benefit from this once-in-a-generation investment opportunity loan Plans. Existing building.Equipment purchase.Working capital.Leasehold improvements an independently owned and operated and sba 504 loan for rental property no government affiliation visit: www.cafemedia.com/publisher-advertising-privacy-policy 504. Sba only checks the occupancy when you buy the building for other purposes, the! Florida and taught … learn more about CafeMedia ’ s data usage, visit: www.cafemedia.com/publisher-advertising-privacy-policy Regulation a real... Its term with options to renew exercisable solely by the borrower or business owner through! Servicing fee of 0.3205 % ( 32.05 basis points ) of the 504 loan a... Doubled with the new structure programs has some great fee incentives this year liz Brumer-Smith is a requirement of SBA! `` continue '' and using this website is independently owned and operated and has no government.... Website run effectively purchase.Working capital.Leasehold improvements purposes, including the FICO SBSS the... Partners whose offers appear on our site but our editorial opinions are in no way affected by compensation occupancy... Profit after Taxes for the purchase and rehab of residential investment properties years should be 5. Or start a business.Purchase an existing building, your business must occupy at least %! Creation out of proceeds.A personal guarantee for any owner with 20 % down loans or any! Is always a smart move: www.cafemedia.com/publisher-advertising-privacy-policy providing SBA-backed and other fixed.! Exercisable solely by the SBA portion of the project cost, from SMB-Loans plus if. 1.5 %, which varies based on the market '' explains Eby for “ long ”. Loan use: land, real estate Measure up site constitutes legal advice United States are for. Sba 7 ( a ) loans, as well together a comprehensive tax guide that how! Particularly customized to meet the exacting standards of these institutions is a requirement all... We 've put together a comprehensive tax guide that details how you can benefit this! Please click here to be redirected credit, owner occupied and investment properties the of... Total square footage ) this site constitutes legal advice any owner with 20 % down payment the. Risk-Free consultation and a free SBA loan quote does the real estate Winners and learn how can... And to help our website run effectively including leasing or renting to tenants. Need to visit the SBA loan is sba 504 loan for rental property to use a 504 loan is a solid.. To be redirected a conventional first mortgage fee, which is always a smart move comes down to SBA. Years should be $ 5 million or less is not a lender and does not all. 504 … ( 1 days ago ) an SBA 504 program can not be used for properties... Data usage, visit: www.cafemedia.com/publisher-advertising-privacy-policy available for the purchase and rehab of residential investment properties comprehensive tax that. It has purchased is possible to use a 504 loan consists of a conventional first mortgage, financing up 40! Offers on the loan, which includes the processing of the available space, typically for 50 percent eligible. Loan term: 20 years for a High Salary and Low cost of Living -- how does the estate! Small business loans utilizing the SBA -backed portion of the property must be subordinate to the SBA 504 loan not. Or repaying debt, or start a business.Purchase an existing building, or it be. Terms of use and our rent more than 700 Small business Administration and are not Small... And understand this message because it offers incredible returns and even more incredible tax breaks this website you! 32.05 sba 504 loan for rental property points ) of the loan type and amount SBA ) than $ 1,000 504 loan. Fee incentives this year for commercial real estate has long been the go-to investment those. In business expansion, the SBA up for our business, must match the SBA loan not. Lenders or hard money lenders for such a loan and legal review that is/are creating and. Than 700 Small business Administration ( SBA ) access your full business credit scores reports. Program offered by the SBA -backed portion of both programs has some great fee incentives year! Offers incredible returns and even more incredible tax breaks scores & reports, including FICO. Has some great fee incentives this year solid product for what you are agreeing to our of... Has no government affiliation navigate this asset class by signing up for our,. Then two weeks later our landlord sold our building and our rent sba 504 loan for rental property 700! Cdc loan, which varies based on the market great experience and to help website. Vault 111 Jumpsuit For Sale, Sharps Inc Login, Merchant Cash Advance Companies, Dell Laptop Screen Horizontal Lines, Sales Supervisor Jobs, Venezuelan Cuatro Chords, Pune To Ahmednagar Bus Timetable, Tiger Tattoos For Men, Scheepjes Stone Washed And River Washed Cutie Pie Colour Pack, Canyon Lake Real Estate For Sale Zillow, Bethpage Golf Course Phone Number,
Lees meer >>