Commercial Real Estate Mortgages

Overview

Details

Advantages

Property Types & Loan-to-Value

Commercial Real Estate Lenders

Application Requirements

Commercial Real Estate Mortgages

Commercial Real Estate Mortgages are a standard debt financing facility with standard monthly payments with a maturity and amortization schedule, ranging from anywhere in 2 years to 30 years.

Mortgages below 5,000,000 tend to be utilized by small businesses with SBA enhancements. Loans above 5,000,000 are traditionally places with CMBS, REITs, Insurance companies, Regional and National Banks.

Each lender is different in terms of how they underwrite a file, what they look for that are perceived risks in the market where the subject property is located and the income ratio analysis. Thus having a skilled expert that deals with this day in and day out will ensure that your loan terms are the best available.

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Term Loan Details

  • Collateral needed
  • Interest Rates: 3%-6.5%
  • Terms: 2 years – 30 years
  • Loan Amounts: $1,000,000 – $25,000,000
  • Time to fund: 30-60 days
  • Repayments: Monthly
  • Collateral Required: Yes
  • Time in Business: Start-up – 2 years
  • Previous Loans Outstanding: N/A
  • Tax Liens Acceptable: No
  • Industries Funded: All
  • Restrictions on Uses: Yes
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    Advantages of CRE Mortgage

  • Tax Deductions
  • Income Shelter
  • Asset/Net Worth improvement
  • Payments are usually Fixed
  • Monthly payments
  • Improves access to other forms of financing
  • Can Refinance business debt
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    Eligible Property Types

  • Medical Offices: Loans up to 100% LTV
  • Industrial Property: Loans up to 95% LTV
  • Co-op Apartment Buildings: Loans up to 80% LTV
  • Condo Apartment Buildings: Loans up to 80% LTV
  • Mixed Use Buildings: Loans up to 80% LTV
  • Office Buildings: Loans up to 80% LTV
  • Retail Buildings: Loans up to 80% LTV
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    Lenders That Provide Commercial Mortgage Loans

  • Commercial Banks
  • CMBS
  • REITs
  • Insurance Companies
  • Hedge Funds
  • Private Equity Companies
  • Family Offices
  • Bridge Lenders
  • EB5 Funds
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    Documents needed for loan applications

  • Past 3 Years Federal Business Tax returns for all companies with >25% ownership
  • Past 3 Years Federal Personal Tax returns all schedules
  • Personal Financial Statement
  • YTD P&L and Balance Sheet (year-to-date)
  • YTD Accounts receivable & Account payable aging schedule
  • Schedule of outstanding debt
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    Compare Your Financing Options