PNC Community Partners, Inc. (PNCCPI) will make loans and investments to finance commercial real estate, charter school facilities, early child-care facilities, for-sale housing, and CDFI-type organizations and projects. Loans will be structured with innovative terms and underwriting standards not otherwise available under normal market conditions, such as below market interest rates of up to 400 basis points less than its controlling entity offers, loan to value ratios as high as 90%, debt service coverage ratios as low as 1.10 to 1, amortizations schedules greater than 20 years, and interest only periods of up to 7 years.