Seamless Short-Term Financing for Property Deals
Real Estate Loans
Real estate loans finance the purchase, refinancing or improvement of property. Commercial Finance Partners arranges financing for commercial property — leased to tenants or occupied by its owner’s business — and for residential investment property, from short-term bridge loans to long-term fixed-rate loans.
Customer Testimonials
Commercial Finance Partners Real Estate Loan Services
Real Estate Loans fuel business growth by enabling the purchase, improvement, or refinancing of commercial properties. Whether you’re renovating an existing building, flipping a high-potential site, or venturing into new locations, timely access to capital can make all the difference. Well-structured loans tie repayment schedules to expected revenue, such as rental income or resale proceeds, helping maintain healthy cash flow throughout the project. With flexible terms and competitive rates, businesses can optimize their property holdings without depleting operational liquidity. Real estate financing, when aligned with thorough planning, transforms fixed assets into a powerful driver of overall business stability and expansion.
Commercial Finance Partners blends market insights with practical execution, ensuring a clear path from initial property assessment to final loan disbursement. We consider appraisal values, local demand, and your strategic goals—ranging from short-term flips to long-term investments. After selecting the right loan product, we handle the intricacies of underwriting and documentation, keeping you informed of each milestone. If your project scope or timeline evolves, our advisory continues to ensure the financing structure remains effective. By merging hands-on guidance with a deep lender network, we help you minimize red tape and unlock opportunities in ever-shifting real estate markets.
Why Choose Commercial Finance Partners:
Swift Funding Paths:
We facilitate prompt approvals so property deals don’t slip away.
Goal-Oriented Structuring:
We match loan durations to your renovation or investment timeline.
Market-Aware Advice:
We factor in local valuation and demand trends for tailored solutions.
Adaptable Covenants:
We allow for project pivots and expansions without punitive restrictions.
Ongoing Support:
We remain engaged in post-loan phases, refining strategies as necessary.
Real Estate Loan Programs
Close Time-Sensitive Property Deals:
- Interim funding for property purchases and refinances
- Acquisitions, renovations and short-term working capital
- Offices, retail, multifamily, mixed-use and industrial
- Repaid through a sale or permanent financing
- Financing faster than traditional bank loans
Finance Apartment Buildings:
- Fannie Mae, Freddie Mac and FHA programs
- Loans from $1,000,000
- Loan terms up to 30 years
- Properties with five or more units
- Multifamily development and refinancing
Buy or Refinance Commercial Property:
- Office, retail, industrial, warehouse and medical
- Owner-occupied loans from $250K to $15M
- Non-owner occupied loans from $250K to $25M
- LTV from 60% to 75%
- Amortizations up to 30 years
Grow a Rental Portfolio:
- Single-family, 2–4 unit, condo and townhome rentals
- Single rental property loans from $250K up to $5M
- Rental portfolio loans from $500K to $100M
- Full doc and income stated programs
- Acquisition, refinance and cash out
Fund Senior Living Facilities:
- Independent living and assisted living
- Alzheimer’s care, memory care and skilled nursing
- Fannie Mae, Freddie Mac and FHA programs
- Acquisition or refinance loans
- Bridge loan options available
How to Leverage
Real Estate Loans
Start by pinpointing clear objectives—buy-and-hold, quick flip, or property improvement. Estimate the timeframe for obtaining returns via rental income or resale, and compile relevant data (like recent appraisals or renovation bids). Presenting a compelling, fact-based proposal helps lenders grant better terms. If you’re dealing with a competitive listing, streamline your due diligence to shorten the closing period and seize high-potential deals ahead of rivals.
Next, maintain open lines of communication once financing is secured. Updating your advisor on renovation milestones, tenant acquisitions, or market shifts allows for timely adjustments—whether that means refinancing early or restructuring loan terms. Document expenses and revenue thoroughly, comparing actual progress against initial estimates. Proactive oversight and consistent financial tracking ensure you can spot inefficiencies or additional opportunities, pivoting smoothly to preserve profit margins and reduce overall risk.
- They channel vital capital into property deals without exhausting everyday cash reserves.
- Repayment schedules can mirror rental income or planned sales, easing cash flow pressure.
- Quick approvals let you capitalize on limited-time listings or undervalued properties.
- Strategic refinances increase flexibility if timelines or market conditions change mid-project.
How to Get a Commercial Real Estate Loan
Underwriting a commercial real estate loan involves analysis of the borrower and any guarantor, the project’s feasibility, the loan structure and the value of the collateral. Key measures include:
- Loan-to-value (LTV): Our owner-occupied and non-owner occupied programs lend at an LTV of 60% to 75%.
- Debt-service coverage ratio (DSCR): the property’s cash flow or net operating income divided by its debt service. Our multifamily program requires a minimum DSC of 1.15, and our senior housing program 1.30x to 1.45x depending on the type of care.
- Borrower strength: the borrower’s overall financial condition and resources, and the financial responsibility of any guarantor.
- Project feasibility: for construction, whether the projected net operating income of the completed project supports its expected value.
Businesses buying or renovating a building they will occupy can also compare an SBA 504 loan, which provides long-term, fixed rate financing for major fixed assets. When a newly built or acquired property needs time to lease up before it qualifies for permanent financing, a commercial real estate bridge loan provides short-term financing. For other business borrowing, see all of our business loan solutions.
Commercial Real Estate Loan FAQs
What is a commercial real estate loan?
A commercial real estate loan finances income-producing property — real estate held for lease to third parties or nonresidential property occupied by its owner — or the acquisition, development and construction of property. Lenders underwrite the borrower and any guarantor, the project’s feasibility, the loan structure and the value of the collateral.
How do you get a commercial real estate loan?
Lenders analyze the borrower’s overall financial condition and resources, the financial responsibility of any guarantor and the value of the property. They set loan-to-value (LTV) limits and minimum debt-service coverage ratios (DSCR) by property type. Commercial Finance Partners places requests through its diverse nationwide lender network.
What is a bridge loan in real estate?
A real estate bridge loan provides short-term financing that allows a newly constructed or acquired commercial property to reach stabilization. Bridge loans are usually written for up to three years, giving the property time to lease up so it can be sold or qualify for permanent financing.
What is the difference between owner-occupied and non-owner occupied loans?
A property is owner-occupied when less than 50% of the loan’s repayment comes from third-party rental income from the property; property held for lease to outside tenants is non-owner occupied, or investment, property. For SBA 7(a) and 504 loans on an existing building, the business must occupy at least 51% of the rentable space.
The financing solutions provided by Commercial Finance Partners were exactly what I needed. Their team was professional and helped me every step of the way
Matthew Rodriguez Business Owner