Commercial Office Retail Building Financing
Hard Money Loans for Commercial Office & Retail Buildings
$100K - $5 Mil
Purchase Refinance Cash Out
SFR 1-4 Unit, Multifamily, Mixed Use
Retail Office, Warehouse
Stated Income, No Doc
Any Credit Ok
Up to 80% LTV *
Low Interest rates
Non Owner & Owner Occupied
3/1 Arm, 5/1 Arm & 30 Years Fixed
No upfront cost
Easy to Apply, Quick Approval
Funding in Days
Call, Text or Apply Now
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Find best source for Commercial Financing Nationwide. Get No Doc, Stated Income Loan & Lenders for Office Retail Building for Purchase, Refinance, Cash Out, Rehab, or Debt Consolidation.
1st, 2nd or 3rd Position Loans
Office Retail Building Loan Program
Any Credit
Stated Income Program
Limited Doc Program
Full Doc Program
Private Hard Money Loan
Equity Only Loan Program
Bk, Foreclosure are OK
Commercial Loan Rate & Terms:
Loan Term 5 -
Interest Rate starting 4.25%
Variable & Fixed interest rates
Amortization Up to 30 Year
Loan to Value (LTV) up to 75%
Debt Service Coverage: 1.25
Commercial Office Retail Building Loan Lenders
Property Type:
Residential properties 1-4 unit
Multi-Family, Rental Property
Mixed Use Property
Apartments
Retail Strip Malls
Shopping Center
Gas Stations, Car Wash
Senior Care Facility
Mini Self Storage, Warehouse
Commercial Industrial Properties
Office Buildings
Mobile Home Parks
Church Loans
Vacant Land, Raw Land
Commercial Land & Lots
Manufactured Homes
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Documents Required for Office Retail Building Loan Lenders
Stated Income Loan Program for Office & Retail Property :
Loan Application
Copy of Lease Agreement (if rented)
Low Doc Loan Program Office & Retail Property:
Above documents & Current Rent Roll
Current Year-to-date Operating Statement (Income and Expenses)
2 Years Historical Operating Statements
Full Doc Office & Retail Center Loan Program:
Above documents plus
2 Years Personal & Business Tax Returns
Description of Property - Location, Number of Units, Year Built, Amenities, etc.
Property Brochure / Photos
Underlying Mortgage Balance.
Office retail loan lenders guidelines. Lender fee, Broker fee, Escrow & Title fees are paid at closing. Any third party fees such as Appraisal, Environmental, Inspection etc are paid by borrower directly.
No Doc, No DSCR Commercial Office Retail Building Loan Lenders
What is Debt Service Coverage Ratio (DSCR) used for Rental Investment Properties
The debt service coverage ratio (DSCR) are normally calculated for Investment Rental properties, also known as "debt coverage ratio" (DCR), is the ratio of operating income available to debt servicing for interest, principal and Insurance payments. It is a popular benchmark used in the measurement of an entity's (person or corporation) ability to produce enough cash to cover its debt payments. The higher this ratio is, the easier it is to obtain a loan.
The Debt Service Coverage Ratio (DSCR) is a simple way of measuring the ability of an investment rental property to pay all its operating expenses and any debt that may be against the rental property. Many commercial lenders uses DSCR for calculating income on rental properties, Multifamily properties, Mixed Use properties, Office Retail buildings and other income producing commercial properties.
A No DSCR loan is where the lenders does not use ratio for qualifying the loan. We Provide No DSCR loans, Equity based rental property loans, No Doc rental property loans & Stated Income Investment Property Loans Lenders.
Financing for Commercial Office Retail Building Loan Lenders
We offer stated income, stated asset equity-based loans for Retail center or Office building to borrowers who can’t qualify for a bank loan or who simply need capital quickly. Lender care more about Equity in the property, borrowers Ability to make payments & theirs Exit plan to repay the loan. We won't waste your time. If we can't help you, we'll refer you to a private lender who may.
Commercial Office Retail Private Money Loans & Financing are available for all Retail Shops, Office building, Residential properties 1-
A retail store is where merchandise is sold, usually a product, usually on a retail basis, and where wares are often kept. Retail Shops may be on residential streets, streets with few or no houses, or in a shopping mall. We have access to many commercial private hard money office retail loan lenders.
A commercial building is a building that is used for commercial use. Types can include office buildings, warehouses, or retail (i.e. convenience stores, 'big box' stores, shopping malls, etc.). In urban locations, a commercial building often combines functions, such as an office on levels 2-10, with retail on floor 1. When space allocated to multiple functions is significant, these buildings can be called multi-use. We have access to many commercial private hard money lenders & investors for commercial office building.
Private Money Lenders & Investors Fund Loans based on Equity in the Property and have Simple Loan Guidelines & Requirements.
We Provide Commercial Private Hard Money Loans in the Riverside, San Bernardino, Inland Empire, Los Angeles, Orange County, San Diego County, Fresno, San Francisco, Merced, Modesto and all of California.
Commercial Loans for Office & Retail Center
A Commercial Hard Money Loans is a specific type of asset-
Commercial Private Money Loans is commonly used term in banking and finance. It refers to lending money to a company or individual by a private individual or organization. While banks are traditional sources of financing for real estate, and other purposes, private money is offered by individuals or organizations and may have non traditional qualifying guidelines. There are higher risks associated with private lending for both the lender and borrowers. We have access to network of Office Retail Building Loan Lenders.
Commercial Mixed Use Retail property is where there is a Retail shop along with one or more residential units apartment. We provide loans and financing for mixed use retail properties.
Commercial Mixed Use Office Building is where there is a commercial office space along with one or more residential units or multifamily apartments. We provide loans and financing for mixed use office building.
Commercial Hard Money Lenders for Office & Retail Center
Hard money lenders are lending companies, or individuals, offering a specialized type of collateral backed loan. Private Hard Money Lenders tend to lend short-term loans (also called bridge loans) that provide funding and or cash, based on the value of the collateral. Private money lenders and Investors can and will utilize all types of collateral- residential properties, commercial properties, vacant land, vehicles, etc. to complete the loan.
Most Hard money lenders tend to focus on the value of the collateral and sometimes borrower's ability to repay the loan, FICO score, debt to income balance; instead of based on their own personal income or other assets, as is common with traditional conventional lenders. Commercial Office retail loan lenders typically charge much higher interest rates and fees than banks because they fund deals that do not conform to bank standards such as verification of borrower's income, assets, or credit score.
We offer Hard Money 1st Mortgage, 2nd Second Mortgage Loans & 3rd Mortgage Liens. 2nd Second mortgages and 3rd position Loans are riskier for lenders and thus generally come with a higher interest rate than first mortgages. This is due if the loan goes into default, the first mortgage gets paid off first before the second mortgage.
We Also provide hard money loans for Rehab, Fix & Flip loans, Bridge Loans, Construction Loans, Transaction Funding, Blanket loans. If you are self employed we offer stated income loans, No doc loans, and bank statement loans.
We have access to hundreds of commercial private hard money lenders & investors in Los Angeles, Riverside, San Bernardino, Inland Empire, Los Angeles county, Orange County, San Diego County, Fresno, San Francisco, Merced, Modesto and all of California.