Diving deeper into Commercial Real Estate Lending

Commercial real estate can be highly lucrative, but navigating the financing landscape can be complex. At Commercial Finance Partners, we specialize in offering diverse real estate loan options tailored to the unique needs of property investors and business owners. Our deep industry expertise and extensive network of capital partners enable us to provide flexible, customized financing solutions across various property types and investment scenarios. Here, we delve into the details of our real estate loan offerings, the benefits of these loans, applicable scenarios, and the various loan types available.

Types of Real Estate Loans

1. Residential Investment Property Loans: Designed for independent real estate investors and small business owners, these loans cater to the acquisition, refinance, and cash-out needs of single-family and multifamily properties. We offer loan amounts ranging from $250,000 to $25 million with competitive interest rates starting at 4.5%. This program is ideal for those not qualifying for traditional bank loans and often includes flexible documentation requirements.
2. Owner & Non-Owner-Occupied Loans: These loans are perfect for business owners looking to purchase, refinance, or improve commercial properties such as offices, retail spaces, light industrial buildings, and mixed-use properties. The same range of loan amounts ($250,000 to $25 million) and interest rates (starting at 4.5%) applies. For non-owner-occupied properties, these loans support investors in financing properties they do not personally occupy, catering to diverse investment strategies.
3. Bridge Loans: Bridge loans provide short-term financing solutions during transitional periods, such as acquiring, refinancing, or building properties. Available for condos, multifamily units, retail spaces, offices, mixed-use buildings, senior housing, self-storage facilities, hospitality properties, specialty properties, and industrial/flex properties, these loans range from $250,000 to $25 million, with rates starting at 8.99%. Bridge loans are essential for quick capital access while securing long-term financing.
4. Multifamily Property Loans: To finance multifamily properties, these loans are available through Fannie Mae, Freddie Mac, FHA, and bridge loans. With loans ranging from $1 million to $50 million and rates starting at 3.5%, these loans provide the flexibility and customized terms required to support multifamily housing development and refinancing projects.
5. Senior Housing Financing: Specialized for properties providing independent living, assisted living, Alzheimer’s/dementia care, or any combination thereof, these loans are tailored for owner-operators and sponsors. Loan amounts range from $5 million to $50 million, with interest rates starting at 3.5%. This financing is crucial for meeting the growing demand for senior care facilities, ensuring operators can secure the necessary funding for their projects.

Some additional types of Real Estate financing:

1. Construction Loans: Financing for new property construction or significant renovations.
2. Mezzanine Financing: Hybrid of debt and equity financing, often used for larger projects.
3. Hard Money Loans: Short-term loans backed by real estate, ideal for quick capital needs.
4. SBA 504 Loans: Loans through the Small Business Administration for purchasing fixed assets, including real estate.
5. USDA Rural Development Loans: Loans for real estate development in rural areas, supporting community growth.

Working with Commercial Finance Partners offers numerous benefits:

• Customized Financing Solutions: We offer customized loan terms to match specific needs, ensuring flexibility in repayment schedules and interest rates.
• Wide Range of Loan Amounts: Catering to small and large investment needs, from $250,000 to $50 million.
• Competitive Interest Rates: Starting as low as 3.5%, making financing more affordable.
• Diverse Property Types: Financing is available for various property types, including residential, commercial, multifamily, and senior housing.
• Expert Guidance: Our experienced team provides valuable insights and support throughout the loan process.

Commercial Real Estate loans are often used for:

• Real Estate Investment: Ideal for investors looking to acquire or refinance residential and commercial properties.
• Business Expansion: Supporting business owners in purchasing or improving commercial spaces.
• Property Development: Financing new construction projects or major renovations.
• Senior Housing Development: Funding for independent living, assisted living, and specialized care facilities.
• Short-Term Financing Needs: Bridge loans for transitional periods, ensuring quick access to capital.