Financing for Business Real Estate

Commercial real estate encompasses properties used for business activities. These can include:

• Hospitals
• Assembly plants
• Storage warehouses
• Shopping centers
• Office spaces
• Gas stations
• RV parks
• And any other location serving a business enterprise.

Loan Details:

• Loan Amount:Funding ranges from $300,000 to $100 million.
  
• Loan Terms:Choose a term from 12 months to 30 years.
  
• Minimum Credit Score:A credit score of at least 650 is typically required.
  
• Loan-to-Value (LTV): Up to 70% LTV for purchase.
  Up to 65% LTV for Cash-out Refinance.
  

Required Documents:

Submit the following documents:

• Application
• Two months’ bank statement
• Corporate Entity Documents
• Real estate track record
• Rent roll
• Operating statement

APPLY  

Financing for Building Projects

• Definition: A construction loan is a short-term financing option specifically designed to cover the costs associated with building a custom home or developing commercial property.
  Unlike a traditional mortgage, a construction loan focuses solely on the construction phase.
  

Loan Details:

• Loan Amount:Funding ranges from $100,000 to $500 million.
  
• Loan Duration:Typically 12 to 24 months, often with interest-only payments during this period.
  
• Minimum Credit Score:To qualify, you’ll generally need a minimum credit score of 650 or higher.
  
• Loan-to-Cost (LTC):Up to 80% LTC, depending on the lender and project specifics.
  

Required Documents:

• Gather the following documents:Executive summary
  Construction budget
  Existing appraisal, environmental, and survey reports
  Personal Financial Statement for all principals
  Corporate Entity Documents
  Real estate track record
  
  
  
  APPLY  

Financing for Real Estate Investors

• Definition:
  These loans cater to new and experienced real estate investors seeking long-term rental financing for properties such as:Single-Family Residences (SFR)
  Townhouses
  Planned Development Units (PDU)
  Condos nationwide.
  

Loan Details:

• Loan Amount:Funding ranges from $75,000 to $5 million.
  
• Credit Score Requirement:A minimum credit score of 650 is typically necessary.
  
• Loan Term:Enjoy a 30-year term for long-term planning.
  
• Loan-to-Value (LTV):Up to 80% LTV for purchase.
  Up to 75% LTV for cash-out refinancing.
  
• Income Verification:No personal income checks are required.
  
• Foreign Nationals Eligible:Investors from other countries are welcome.
  
• Purchase Options:You can purchase under an LLC or personal name, based on state regulations.
  
• Interest Rate:The rate starts at 7.25%.
  

Required Documents:

• Gather the following documents:Application
  Corporate Entity Documents
  Two months’ Bank Statement
  Real estate experience track record
  

APPLY  

Financing for 5+ Unit Apartments

• Definition: Multi-family 5 or more units nationwide.
  

Loan Details:

• Loan Amount: Funding: Funding ranges from $300,000 to $50 million.
  
• Loan Terms: Choose a term from 12 months to 30 years.
  
• Minimum Property Value: Each unit should have a minimum property value of $35,000 per door.
  
• Minimum Credit Score:To qualify, you’ll generally need a minimum credit score of 650 or higher.
  
• Loan-to-Value (LTV):Up to 70% LTV for purchase.
  Up to 65% LTV for cash-out refinancing.
  

Required Documents:

• Gather the following documents: Application
  Two months’ bank statement
  Corporate Entity Documents
  Real estate track record
  Rent roll
  Operating statement
  

Apply  

This loan is intended for new and experienced real estate investors seeking funding for Mixed-use properties. Mixed Use properties refer to properties intentionally used for a variety of purposes, including commercial, residential, retail, office, or parking space. For instance, if you had an apartment complex, retail stores, and businesses located within the same area, this would be a mixed-use property.

• Loan amount $300K to $50M
• 12 months to 30 years
• Min property value: $35K per door
• Square footage for commercial and residential spaces
• Min credit score 650
• Up to 70% LTV for purchase
• Up to 65% LTV for  Cash-out Refinance
• Document needed: Application; Two months' bank statement; Corporate Entity Documents; Real estate track record; Rent roll; and Operating statement

Apply  

• Definition: These short-term loans are intended for both new and experienced real estate investors.
  Ideal for funding property renovations (fix & flip) or long-term rental investments (hold strategy).
  

Loan Details:

• Loan Amount: Funding ranges from $75,000 to $10 million.
  
• Loan Duration: Typically 12 to 18 months.
  
• Minimum Credit Score: A credit score of at least 650 is generally required.
  
• Loan-to-Value (LTV):Up to 85% of the purchase price.
  Plus 100% of renovation costs, not exceeding 75% of the After Repair Value.
  
• Eligible Property Types:1-4 units (non-owner occupied)
  Condos
  Townhouses
  Multifamily properties
  Mixed-use properties
  

Required Documents:

• Gather the following documents: 

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Certainly! Here are the required documents for your real estate financing application:

• Application
• Two months’ bank statement
• Corporate entity documents
• Rehab budget
• Previous real estate experience
• ID

Apply   

• Definition: A land loan (also known as a lot loan) is used to finance the purchase of a plot of land.
  
  Ideal for buying land to: Build a home
  Utilize for business purposes
  

Loan Details:

• Loan Amount:Funding available from $100,000 and up.
  
• Loan Duration:Typically a 12-month bridge loan.
  
• Minimum Credit Score:A credit score of at least 650 is generally required.
  
• Loan-to-Value (LTV):Up to 50% LTV for raw land.
  Up to 75% LTV for developed land.
  

Required Documents:

Gather the following documents: 

 

Application

• Two months’ bank statement
• Corporate entity documents
• Rehab budget
• Previous real estate experience
• ID

APPLY