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Commercial Real Estate Refinance - A Complete Guide

Real estate acquisitions and investments are money spinners that help investors earn profits and margins as property prices move up. However, the investment that is required for a holding stake in the property is substantial.

Businesses and individuals into commercial real estate investments seem to increase their portfolio of holdings over a period of time without actually disposing of an existing property. This may sound strange considering the number of substantial investments required for properties.

However, most of the commercial real estate funding is through a prudent loan management strategy where the borrower relies on refinancing to extract equity in a property. This is then used to fund the next acquisition.

The chain of investments helps investors to expand the portfolio and build up sizeable assets. As the value grows over a period of time, the investor either disposes off the property or continues to enjoy the earnings from the property. In a nutshell, this is how the cycle of investments and expansion works in commercial real estate.

Here is the complete guide to commercial property refinance, dwelling on every aspect you need to know about the processes involved, the rates, the advantages, and the available options.

What is Commercial Loan Refinance?

Commercial real estate refinance is not the equivalent of residential property refinancing as the modalities, and the purpose is the opposites of each other. The whole idea of commercial property refinances to gain access to the investor's equity value in the property and use the same for investments in other properties or purposes as deemed fit by the investor. It hinges to a great extent on the property's value, or rather the difference in the value of the property from the time of original acquisition. Another way of looking at this is the income generation capacity of the property.

A property that has increased its net operating income value is considered sound to refinance. While commercial property loans and residential property loans differ in terms of loan tenure, there are no laid down rules that prohibit a loan tenure from extending into the long term. While most of the loans are typically in the range of 7 years, come are known to extend for longer durations. This is because of the nature of the property and its holding.

For instance, a residential property owner/prospective owner generally intends to stay in the property for as long as possible, and it becomes a lifelong investment. Hence the duration extends for as long as 30 years typically. However, in the case of commercial properties, the intent is not to stay in the property forever.

The intent is to earn from the property in the shortest possible time and either enjoy the profits or use the profits for expansion. It, therefore, makes more sense for an investor of commercial real estate to have shorter liabilities. Additionally, an investment that is fettered to a long term liability will eat into the profits by way of interest, which does not qualify it as a prudent business choice.

Why is commercial property refinance a popular option?

Multiple reasons contribute to commercial property refinancing becoming a popular choice. Some of the reasons are pre-planned strategies of investors who crunch numbers and come up with formulas that work to their benefit through the refinancing route.

Some of the reasons are unplanned, mainly the product of market trends and conditions that force an investor to end up refinancing as the only way forward. The single biggest reason for refinance is the repayment mode of commercial properties. The balloon payment at the end of the loan tenure is effectively the main reason behind most investors' refinancing route.

For instance, a property on the market may appear to be a sound choice due to demand and the attractive cost. To quickly take ownership of the property, investors take out a commercial property loan, put in down payment, and take possession of the property. There is no other way of procuring high-value property unless the investor ties up with other institutional investors.

The repayment of the loan amount is often from the rental income of the property. However, as the loan comes to the end of its tenure, the investor needs to make arrangements for the balloon payment's repayment. This could be as much as 85% of the loan amount. Though it does not necessarily have to be 85% of the loan amount, the maximum is often 85% of the loan amount.

It is to be borne in mind that the loan amount is different from the purchase's actual value, which includes the down payment and the loan amount.

As the balloon payment looms towards the end of the loan tenure, the investor chooses the only way out - refinancing. This helps to take over the repayment burden while also marginally reducing the cost of repayment by way of lowered interest rates. This is one of the most common reasons for the refinancing of commercial real estate. The second most popular reason is to extract equity from the property.

In other words, most property values are bound to increase either substantially or marginally over a period of time. The value of the property from the time it was purchased will differ from the property's value many years down the lane. This difference in value is changed equity of the investor, which can then be extracted to the investors' benefit. The investor can use the change in value to extract liquidity and use it for any purpose, including acquiring other assets.

Now that you have a broad perspective of commercial property refinance, it is time to look at the various stakeholders or types of institutions classified as lenders for commercial property refinance.

Types of lenders - commercial property refinance

There are five different broad categories of commercial property refinance lenders.

(1) Traditional Banks,

(2) Government-backed institutions,

(3) Insurance Companies,

(4) CMBS - also known as Asset-Backed Trusts or Hard Money Lenders

(5) GSE backed mortgage funds.

Traditional Banks - By far, the most popular and common among the various categories of lenders across all categories of loans, traditional banks are the pillars of funding, managing, and funding most of the assets. Traditional banks are often the first choice of borrowers when it comes to borrowing, including refinancing. However, traditional banks lose some of the sheens compared with other entities because of the regulation of centric processes. Banks governed by various regulations to protect the funds at the bank's disposal from turning into non-performing assets. Consequently, the processes may appear to be a bit more tedious than that of other entities. Banks typically offer shorter loan tenures, though it is not mandatory and is entirely at the discretion of the bank and the various criteria used to determine the suitability/risks associated with a loan. One reason for investors choosing banks over other entities is the existing relationship with the bank. Most investors and institutions hold accounts for transactions and may or may not have availed a bank loan. This forges a relationship with the bank, which can then be used to the investor's advantage.

CMBS or Hard Money Lenders

are the next best investors' options when Banks turn down requests for refinancing options. These categories of lenders have more relaxed criteria when extending refinance to a borrower. This makes it a viable option for borrowers who are unable to avail refinancing from banks. However, the rates of interest and the terms of the loan are not close to the favorable terms and rates offered by traditional banks. The tradeoff here is the easy access to funds through refinancing. For the quick access to funds, investors end up paying more as interest and need to be able to clear the loan in a shorter period of time, failing which the lien may be exercised.

Government-Backed Institutions such as SBA loans are a good choice when it comes to repaying loans. This applies to balloon payments at the end of loan tenures for commercial properties and targets small business owners. The attractive options from these loans are the lower interest rates, and the amortized extended loan tenure. The option is good and works to the advantage of the borrower on multiple fronts. However, this is intended for small business owners, and this may preclude certain categories of institutions and investors from availing this option.

Types of commercial property loans

It is essential to know a little more about commercial property loans. Commercial property mortgages may extend to as much as 30 years; this is not regarded as the best option from an investor's point of view. Some of the more popular options available include -

commercial bridge loans,

hard money loans,

CDC/SBA 504A loan, and

SBA 7(a) Loan.

Depending on the type of loan that an investor has opted for, the financed amount could be as much as 90% of the property's price, with tenure ranging from six months up to 25 years. Various loan options mentioned above are suitable for different needs and can be used with maximum advantage. The upper limit of the loan amount also differs from product to product and depends on the institution that is extending the loan.

Types of Commercial Property Refinance

There are different types of commercial property refinance options available for investors.

Traditional Commercial Refinance - These are the most common types of refinancing for commercial property. The primary reason for looking at this option is to reduce the interest rates of existing mortgages. Most investors do not have a choice when it comes to the first mortgage. For instance, the rates of interest at the time of availing a mortgage may have been high, or there may have been a pressing need to go with the fastest available option to get hold of the property. The option of reducing the interest rates is available through the traditional commercial property to refinance route. The main difference between the first mortgage and the refinance is mostly limited to interest rate, which is marginally or considerably lower.

Commercial Cash-Out Refinance - This is the equity extracting model, wherein the investor looks for a method to withdraw cash from the venture. The difference in value from the time of purchase to the prevailing rates is the criteria to determine the cash-out. This is a good and prudent option and is typically used when the investor needs funds. This could include additional investments, or it could be to improve the existing property or simply enjoy the fruits of investment. This permits the investor to hold on to the property without diluting stake, while still withdrawing an amount that could be the initial down payment on the property. Here, it is important to understand that the interest rates are unlike traditional commercial real estate refinancing. The interest rates could be higher than the original mortgage or lower than the original mortgage. As the purpose of cash-out refinances is to gain access to cash and not to reduce interest rates, the investor may overlook or accept this tradeoff.

How to apply for commercial property refinance

There are requirements for commercial property refinance that need to be fulfilled for an investor or entity to avail. Depending on the type of lender, the requirements differ, making it necessary for the borrower to meet the desired criteria.

Additionally, the loan amount and the loan tenure also have a bearing on the assessment criteria used, and this will mandate the need for additional documents and processes.

Minimum documentation that is common to most lender types for commercial property refinance include the following - (1) Records of the finances of the business entity (2) Records of Assets (3) Records of known liabilities (4) Complete details of stakeholders in the business (5) Bank statements and (6) Tax returns of the individual(s) as well as the entity.

The prospective borrower needs to have the above documents to apply for and move the process of refinancing forward. The actual process itself involves an assessment that is similar to that of residential loans.

Before the application's processing, the applicant is evaluated on various criteria to determine the risks involved in lending. This includes a detailed assessment of assets, liabilities, and history of repaying credit, on clearing the initial round of pre-qualification, the application moves to the next stage of vetting, which includes in-depth scrutiny of tax-related documents and filings that indicate the business entity's financial health. This will help the lender determine if the loan will end up as a non-performing asset or if the borrower has a history of repaying the debt on time.

Document scrutiny helps understand the stability of the business that seeks refinancing of investment. The applicant's credit history, the available collateral, the number of holdings, and collateral are all various considerations that determine if a loan can be extended or not. Remember, investors with mortgages in more than a certain number of commercial properties are automatically ineligible for refinancing.

On submission of the relevant documents, the process moves to the underwriting stage, where it is finally approved or rejected. This is based on all the inputs - furnished by the borrower and the inputs gathered by the lender. The combination of all the inputs and information results in either acceptance or rejection of the application.

The entire process could take as long as three months, depending on the amount in consideration and the lender. Most borrowers typically launch the refinance application process at least one year before the end of the original mortgage. This gives the borrower adequate time to choose the right lender and process an application.

It is essential to have at least two or three lenders shortlisted for the refinance as rejection by one lender will require a full repeat of the application process. A good backup option is the best way forward, especially considering that the amount in question will determine the mortgaged property's fate.

Overview of commercial real estate loan interest rates and tenure

Commercial mortgages and refinance rates are typically higher than that of residential property refinance and mortgages. This is an industry-standard and is associated with various parameters - including the earning potential of commercial properties. Owner-occupied commercial properties have a low rental, and this applies to those properties that have multiple dwelling units where the owner resides/occupies one unit. In contrast, others are let out for rent.

There are various market-driven forces at play when calculating the rate of interest for commercial property refinance. The borrower's eligibility also determines repayment, and it is, therefore, wrong to assume one rate as the standard for all refinance. This is assessed based on various criteria and inputs.

It is reasonable not to expect more than 85% of the total value, which depends on the borrower's credit score and business stability. The supporting documents, appraisal of the property, and independent verification of the documents help the underwriter decide the amount that can be extended as refinancing.

Advantage and use cases of Commercial real estate refinance

Commercial real estate can be a sound decision on the part of investors, depending on its use. In certain cases, investors are left with no option but to choose the refinance route to manage or resolve a problem. For instance, balloon payments can be a huge burden on investors.

The prospect of having to repay a sizeable chunk of the loan in one single tranche is something that most investors would be unable to accomplish. This leaves investors with no other option than choosing to refinance.

Investors whose properties have witnessed a significant increase in value can maximize the potential and use refinancing as an option to increase the value further. For instance, the funds from a refinance can be used to extend the property or make renovations that can help the property earn more than the existing rentals. Most properties earn an average of 7% of the value of the property as rentals. This is the accepted industry average.

Any property that earns less than 7% of the value is not considered a good investment. Owners of properties that fetch more than 7% can use it to their advantage and secure refinance to use the funds and extend the property or make renovations that will increase the property's earning capacity.

Investors grappling with balloon payments find refinancing to be the only way to extend the loan tenure and hope that the extra tenure will help sort out issues. Investors choose balloon repayments with the hope of earning in time to make the bulk repayment. However, when things do not play out as scripted, it becomes necessary for the investors to choose to refinance.

The lowering of interest rate is another reason for refinancing. Acquisitions take place with available resources or loans that are extended at the time of acquiring the property. This may not have been the best deal at the time but may have effectively been the only suitable or eligible option. Refinance helps to tweak the conditions in a manner that makes the terms more favorable. The lowering of interest rates and restructuring loan repayment tenure gives investors more freedom to work out the best option.

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Commercial Real Estate Refinance - A Complete Guide - Private Capital Investors

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Real estate acquisitions and investments are money spinners that help investors earn profits and margins as property prices move up. However, the investment that is required for a holding stake in the property is substantial. Businesses and individuals into commercial real estate investments seem to increase their portfolio of holdings over a period of time without actually disposing of an existing property.

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Commercial Real Estate Loans in Illinois

Are you looking for commercial real estate funding for your commercial property in Illinois? If yes, you have come to the right place. We have been into the business of lending hard money loans, bridge loans, stated income loans and other types of commercial real estate loans since many years and we assure you the best deals on different types of commercial real estate loans.

Our team of real estate experts can provide you best guidance and timely suggestions about the best type of commercial property loans available out there and provide consultancy on the right kind of commercial property loan which will suit your financing needs. So, look no further and get in touch with us today to avail the best deals on hard money loans, bridge loans, stated income loans or any other type of commercial real estate loans. We assure you the best services at affordable rates and will do everything we possibly can to find the right kind of commercial real estate loan for your commercial property

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Hard Money Lenders Illinois | Commercial Property Loan in Illinois - Private Capital Investors

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Our Commercial loan advisors guide to get any kind of commercial real estate loans at lowest rates in Illinois. We provide you the best deals on hard money loans, bridge loans or stated income loans quick with flexible payments & no hidden charges.

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Commercial loan rates are excellent right now. Depending on the type of property, commercial interest rates currently range from 3.75% to 4.75% and can reach a Loan To Value Ratio ( LTV) up to 85% of the appraised value of the property. If you are an owner-user you may qualify for up to 90%.

While many lenders are limited to providing loans of no more than $5,000,000. Private Capital Investors can help you secure funding for loan amounts ranging from $1,000,000 to $50,000,000 plus. These commercial property loans are perfect for purchase, refinance, or even accessing equity. Flexible terms are available ranging from 3 years to 10 years fixed, amortized over a 30 year period. 15/15, 25/25, and 30/30 terms are also available.

-Ready to see what you may qualify for? to find out now

Loans are available for a wide range of commercial real estate, as well as less than perfect credit. We understand that you are not just a number, and that your situation is unique. Chances are, we have a loan that will help you access the commercial funding you need, and we'll help you through the process making it quick and straight forward. Our wide range of financing options also includes:
Commercial Property Types That We Cover:

Office Buildings

Retail Centers

Office Condos

Strip-Mall

Shopping Centers

Multifamily Units

5+Apartments Units

Automotive Properties

Industrial Property

Industrial Condos

Car Washes

Daycare

Banquet

Mixed-Use Properties and more

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Private Commercial Real Estate Loan Lending Advisors | Commercial Lending | Alternative CRE Financing - Private Capital Investors

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Commercial loan rates are excellent right now. Depending on the type of property, commercial interest rates currently range from 3.75% to 4.75% and can reach a Loan To Value Ratio ( LTV) up to 85% of the appraised value of the property. If you are an owner-user you may qualify for up to 90%.

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Stated Income Commercial Real Estate Loan

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Stated Income Commercial Real Estate Loan

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Stated income loans are one of our most popular commercial loan programs. What makes these so popular? For starters, the fact that no tax returns are required, no W-2's, and it's easy to qualify for. As you already know, banks are currently quite tight with their income requirements when it comes to investment properties. Many investors and business owners simply cannot qualify for a bank loan due to these strict requirements and the ever increasing demand for supporting documentation.

However, with a stated income commercial loan, these same investors and business owners can often qualify for the funds they need without the need to jump through a bunch of hoops, and provide the mountains of paper-work typically required by typical bank loans. An additional attractive feature of the stated income loan is the 30 year fully amortized term with no balloon.
Let's take a closer look at the details of a stated income loan:

No tax returns - Ever! That's right. We don't care what your tax returns show. No DTI (Debt To Income Ratio) review to worry about!

Previous Bankruptcy Ok - So long as the bankruptcy was 2 or more years ago, this will not prevent you from qualifying

Less than perfect credit Ok - Things happen... That's life right? Not everyone can maintain a perfect FICO score. With our commercial stated income loan, you can still qualify with a mid-score as low as 650!

Loan amounts range from $1,000,000 to $5,000,000

Refinance up to 75% of appraised commercial property or investment residential value

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Stated Income Commercial Real Estate Loans - Private Capital Investors

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Our experienced advisors help to get stated income loans, bridge loans and other commercial real estate loans at the lowest rates. We help you to a variety of commercial real estate loans with easy & quick processing, flexible payments & no hidden charges.

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Have you been told "NO" by your bank? Or maybe you feel that your credit is too damaged, or your finances not quite where you want them to be just yet... Regardless of why a bank or conventional loans are not available to you at the moment, chances are we can help. A hard money loan offers many desirable features that you simply will not find anywhere else:
Fast closing Not credit score driven Quick application process Light on needed documentation
Hard money loans have become even more desirable as of late due to the tightening of governing rules and lending guidelines with banks. Let's face it. The banking industry is getting more strict by the day it seems - Not less. Debt to Income Ratio ( DTI), FICO, and even your Debt Service Coverage Ratio are just a few of the items that will be placed under the microscope.

If even a single factor is out of line with the pre-defined parameters that the conventional commercial lenders deem "acceptable" - Then you're likely out of the market as far as they are concerned. Now can you see why Hard Money loans are growing in popularity? Even as a short term solution, this easier approval process, and quick access to cash can be a win-win.
Let's take a look at some of the commercial property we'll consider:

Senior Housing

Shopping Centers

Office Buildings

Apartment Complexes

Mixed Use Properties

Hospitality

Self Storage

Industrial Buildings (Light)

Retail Shops

Strip Malls

Automotive

Almost any income generating commercial property

Now let's look at some of the more common uses for Hard Money Loans:

Purchase Loan

Note Purchase

Pre - Construction

Add Value

Repositioning

Partner Buy-Outs

Tenant Improvements

Taxes

Debt Consolidation

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Commercial Hard Money Loan Lending Advisors | Commercial Real Estate Loans - Private Capital Investors

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Have you been told "NO" by your bank? Or maybe you feel that your credit is too damaged, or your finances not quite where you want them to be just yet... Regardless of why a bank or conventional loans are not available to you at the moment, chances are we can help.

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Top Criteria to Qualify For Hard Money Loans - Private Capital Investors

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Top Criteria to Qualify For Hard Money Loans - Private Capital Investors

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https://privatecapitalinvestors.weebly.com/blog/top-criteria-to-qualify-for-hard-money-loans

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Top Criteria to Qualify For Hard Money Loans

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Don't qualify for a prime loan, or are you looking for an alternative to the traditional bank loan application process? If you are looking for a quick financing option with tax benefits, applying for...

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Is a Balloon Loan Is Right Refinancing Option? - Private Capital Investors

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Is a Balloon Loan Is Right Refinancing Option? - Private Capital Investors

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https://privatecapitalinvestors.tumblr.com/post/631295252006846464/is-a-balloon-loan-is-right-refinancing-option

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You probably know that you can refinance the mortgage on your primary residence. However, did you know that you can also refinance an investment property? Refinancing an investment property can make your loan easier to pay off. In this case, balloon loan plays a significant role. A balloon loan is nothing but a commercial real estate refinance option in a much simpler way. It doesn't wholly amortize over its term. So, after the loan period, you pay the remaining balance. It allows commercial borrowers to refinance their mortgage.
Refinancing an investment property -
Refinancing your investment property with a balloon loan has many advantages. These are some reasons why you might want to refinance your investment property.
Reduce the interest rate -
The difference between the interest rates on an investment property and those on a primary property might surprise you. Investment properties pose a higher risk to lenders. Banks and online lenders know that if you have financial difficulties and can only afford one mortgage, you will always choose the one for your home. To offset this risk, lenders charge more interest on investment properties. Having two mortgage payments can be unsustainable, so you might be better off looking for a lower rate by refinancing.
Change the term of the mortgage -
Have you thought about changing the terms of your investment property loan so that it is debt-free sooner? When you shorten your loan duration, you pay more each month but accumulate less interest over time. You could also consider extending the term if you are having trouble keeping up with your monthly premiums. Extending your mortgage duration means that you will pay less each month, but you will spread your payments over a more extended period and accrue more interest. Refinancing to modify the duration of your mortgage may or may not change your interest rate.
Finance almost everything -
Unlike other types of loans, there are no limits to what you can do with the money you receive from a balloon loan refinance. With a refinance, you can access an easy cash source, which you can use for almost anything you need. You can refinance an investment property in a similar way to a primary residence. When you refinance, you can get a lower interest rate or change the terms of your loan.

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Is a Balloon Loan Is Right Refinancing Option?

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You probably know that you can refinance the mortgage on your primary residence. However, did you know that you can also refinance an investment property? Refinancing an investment property can make your loan easier to pay off. In this case, balloon loan plays a significant role.

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5 Ways for Evaluating a Commercial Real Estate Investment - Private Capital Investors

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5 Ways for Evaluating a Commercial Real Estate Investment - Private Capital Investors

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https://privatecapitalinvestors.blogspot.com/2020/10/5-ways-for-evaluating-commercial-real.html

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There are many evaluating commercial real estate investment methods, both in the market and rental values, depending on the destination and use of the property studied. Here, we bring you five ways to evaluate a commercial real estate investment.
The influence of the environment -
In the same city, we can observe differences between neighborhoods but also from one street to another. The environment, the attractiveness of the area, the district's reputation, the feeling of security, the prospects for the development of the territory: all these elements influence the final evaluation of the property.
Loan rates -
Another aspect to consider is "loan rates." Commercial real estate loans are easier to get if the property has a good location and future growth. Investing in real estate property largely depends on "loan rates." Not everyone can invest from their pocket but look for a bank loan, hard money lender, or mortgage loans. So, always evaluate the location and loan rates before investing.
By comparison (or market method) -
The so-called "comparison" method consists of deducing the property's value from the analysis of the price obtained from the recent sale of other properties as similar as possible in terms of consistency, condition, location, and qualification. This method is divided into sub-methods: "soil + construction", "integrated building land", and "by statistical regression".
By replacement cost -
On the one hand, the buyer wants to achieve "a good deal." On the other hand, the owner wants to sell at the "best price." But what is a reasonable price? The "replacement cost" method consists of reconstituting the property's cost price by deducting depreciation for obsolescence. This method is little used in terms of market value. It is more frequently used for very specialized commercial properties or to define utility or operating costs.
Consider the construction time -
Generally, newer properties tend to have a significant difference in value compared to older properties. After all, they are properties more suited to the current reality and offer better infrastructure quality. However, to know how to evaluate property properly, try to understand its time of existence. Don't forget to count on the help of professionals specialized in the subject.

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5 Ways for Evaluating a Commercial Real Estate Investment

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There are many evaluating commercial real estate investment methods, both in the market and rental values, depending on the destination and use of the property studied. Here, we bring you five ways to evaluate a commercial real estate investment.

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Advantages of Stated Income Loans for Commercial Property Investments - Private Capital Investors

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Advantages of Stated Income Loans for Commercial Property Investments - Private Capital Investors

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https://privatecapitalinvestors.weebly.com/blog/advantages-of-stated-income-loans-for-commercial-property-investments

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Advantages of Stated Income Loans for Commercial Property Investments

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Today, traditional commercial loans are a great alternative to stated income commercial loans for those looking to buy or rent commercial properties. In general, a commercial stated income loan is...

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Stated Income Commercial Loans a Great Alternative to Hard Money - Private Capital Investors

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Stated Income Commercial Loans a Great Alternative to Hard Money - Private Capital Investors

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https://www.merchantcircle.com/blogs/private-capital-investors-dallas-tx/2020/11/Stated-Income-Commercial-Loans-a-Great-Alternative-to-Hard-Money/1921833

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Easily Find the Commercial Real Estate Bridge Loan Lenders - Private Capital Investors

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Easily Find the Commercial Real Estate Bridge Loan Lenders - Private Capital Investors

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Commercial Bridge Loans typically last for a period of 12 to 36 months. They are not intended to be a permanent solution to your commercial refinancing but work great for temporary needs such as property turn-around, or value adding. Since they typically have better interest rates than hard money loans, yet higher than bank loans, commercial bridge loans tend to be a great solution when you are unable to secure other financing, or just need a short-term loan.

Commercial bridge loans are far more flexible when it comes to property types: Vacant buildings, major rehabs, and special purpose properties can all be considered even when conventional lender underwriters say "no."

A common use for commercial bridge loans is to use this financing to buy the time needed to improve your financials, or finish your project, and then transfer to a more permanent solution when ready. Yes, we can help you with that too...

As you have seen, special case scenarios can be a great fit for a commercial bridge loan. This includes those often difficult to finance specialty scenarios such as:

Opportunity Purchases

Non-Stabilized Properties

Quick Closings

Foreign Nationals

Foreclosure Purchases

Non-Cash Flowing Properties

Additional Commercial Bridge Loan Programs

Strip-Mall

Shopping Centers

Daycare

Automotive Properties

Office Buildings

Retail Centers

Office Condos

5+Apartments Units

Multifamily Units

Industrial Property

Industrial Condos

Car Washes

Banquet

Bed and Breakfast

Mixed-Use Property and more

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Commercial Bridge Loan | Commercial Real Estate Bridge Loan Lenders - Private Capital Investors

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Commercial Bridge Loans typically last for a period of 12 to 36 months. They are not intended to be a permanent solution to your commercial refinancing but work great for temporary needs such as property turn-around, or value adding.

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Get the Commercial Real Estate Loans in  Phoenix Without any Hassle - Private Capital Investors

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Get the Commercial Real Estate Loans in  Phoenix Without any Hassle - Private Capital Investors

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"The Phoenix commercial real estate market has always been one of the fastest developing markets nationwide. If you've been looking to buy commercial real estate property in Phoenix, Arizona, there can't be a more all time than it is now!
The commercial real estate market of Arizona is seeing its glory days and the commercial real estate research agencies have reported that the trend is going to stay unchanged for the upcoming 2 to 3 years. So, now is the best time to invest in commercial real estate market of Arizona.
We, at Private Capital Investors, have seen the market of Arizona when the commercial real estate industry was taking its baby steps and we've seen it flourish in front of our eyes!
Having witnessed the ups and downs of the commercial real estate market in Phoenix, Arizona, we exactly know what's the best time of financing for a particular type of transaction and our team of experienced commercial mortgage professionals can also tell you the best time for investing in the real estate property in Arizona.
The commercial real estate experts at Private Capital Investors are fairly familiar with the intricacies of the market in Arizona and thus can arrange the right loan packages for anyone at any time!
The vast lending network of private capital investors spread across the state enables us to serve our clients in the best possible manner! Our commercial real estate loan programs and options comprise of everything a real estate investor would need.
Ranging from commercial stated income loans to multi-family loans, we've got it all. The best thing about us which our clients love the most is our extensive experience in the field of real estate that enables us to provide timely and most valuable suggestions!
If something's not going to work for you, our experts will ensure that they not only communicate that it's not going to work for you, but also exactly explain why it won't work!
Many commercial mortgage brokers in Phoenix can probably tell you what's best and what's not, but our forte lies in explaining the 'why' behind everything we do. That's what has brought us here and we believe that's what will take us forward too. Because we not only provide you expert advice but also help you become a real estate expert by telling you the 'why' behind what we suggest!
We've provided many different types of loan funding to amateur investors as well as savvy real estate investors. We're especially experts in providing commercial hard money loans, stated income loans, multi-family loans, apartment loans and commercial bridge loans.
We can help our clients understand what loan is best for them and provide them maximum assistance in fetching their desired loan!
Get in touch with one of our loan consultants today for all sorts of assistance that you'll need with respect to commercial real estate financing."

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Hard Money Lenders in Phoenix, AZ for Commercial Property | Commercial Real Estate Loans Phoenix - Private Capital Investors

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Private Capital Investors help you to get hard money loans and other commercial real estate loans in Phoenix, Arizona at lowest rates. Our experienced team will guide to get any commercial loan with easy & quick processing, flexible payments & no hidden charges.

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Get the Commercial Real Estate Loans in Dallas, TX Easily - Private Capital Investors

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Get the Commercial Real Estate Loans in Dallas, TX Easily - Private Capital Investors

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"Have you decided to buy a commercial real estate property? Are you new to the industry of real estate? Are you thinking of ways through which you can finance your commercial real estate property?
If yes, you've come to the right place! Private capital investors have known the industry of real estate since it laid its baby steps and is one of the most diverse and largest lending networks in Dallas, Texas.
Our real estate loan consultants have had decades of experts in the industry of real estate and their timely and valuable advice are definitely going to be your guide.
We, at private capital investors, believe that 'Nothing can beat experience!' and our loan consulting professionals prove that to our clients time and again!
Our lending network is spread across the state so well that we can help you with all the information you'd need in order to process a loan from any bank in any part of Dallas, Texas.
If you want assistance in short-listing the commercial mortgage brokers, we can help you do that with our vast lending network.
We've got the reputation of being one of most diverse private money lenders in Dallas and our testimonials speak louder than us! Our word of mouth reference brings us most business and we can't thank our clients more.
If you're facing problems with the policies of traditional banks that require a plethora of loan eligibility requirements to be fulfilled before they actually process your loan, we're here to help you out.
Getting hard money loans can't get easier now with private capital investors. Trust is what we build and that's what has kept us going on till here.
At private capital investors, we also help provide stated income loans to help our clients meet their emergency financial needs without having to worry about a great credit score.
Stated income loans may not be suitable under all the circumstances and our financial experts will help you figure out if what you actually need is a stated income loan or other forms of financing.
Usually, we recommend stated income loans to people who do not have a consistent cash inflow or do not have the same income source. It's best suited for freelancers or self-employed people who may not have a great credit score or a consistent source of income.
We also provide multi-family loans at affordable rates. Our clientele is a proof of the works that we've done and we believe that our past work portfolio speaks louder than anything else for us.
Get in touch with us today for help in terms of consultation and processing of various types of loans included stated income loans, bridge loans, apartment loans, multifamily loans and hard money loans.
Our team of loan experts is here to help you out with the best consultation that is timely and of highest value!
Because more than anything, we understand that flourishing in the industry of real estate is not a cake walk and right advice at the right time is what it takes for a person to keep sailing in the ocean of real estate!"

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Hard Money Lenders in Dallas, TX for Commercial Property | Commercial Real Estate Loans Dallas TX - Private Capital Investors

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Our experienced team of commercial loan advisors specializes in getting hard money loans and other commercial real estate loans at the lowest rates in Dallas, Texas. Whether it bridge loan or stated income loan, we will make it easy & quick with flexible payments & no hidden charges

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Find the Best Commercial Real Estate Lenders in Florida - Private Capital Investors

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Find the Best Commercial Real Estate Lenders in Florida - Private Capital Investors

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Commercial Real Estate Lenders in Florida

"The commercial real estate sector in the state of Florida has always been pretty good and the real estate research agencies predict that it's going to remain this way for the coming 4 to 5 years. Investing in commercial real estate properties in Florida is a good idea for beginners as this state has some of the finest properties both residential as well as commercial at most affordable prices.

We, at, Private capital investors have helped thousands of investors make their best decisions with regards to the loans in the state of Florida.
One of the biggest strengths that enables us to do this is our widely spread lending network across the United States. We offer following loan programs:

Hard Money Loan

Bridge Loan

Stated Income Loan

Commercial Real Estate Refinance

Our lending network is spread across like the spider web and thus we've always got some financier or lender who can help our clients with their financing needs.

Providing valuable and timely suggestions is something that really makes Private capital investors stand out from the lot. We don't stop at providing consultations alone.

We go a step further and provide maximum assistance to ensure that the loans are processed to our clients in a smooth manner. We are one of the largest private lending network providing hard money loans, stated income loans, and bridge loans.

One of the biggest apprehensions that stop people from applying for hard loans is the credibility and authenticity of private money lenders.
We've broken such myths that revolve around the hard money loans as we've successfully provided hard money loans to thousands of investors over decades. Our experience speaks louder than anything for us and our experience shows in the works we do.
Your search for private money lender in Florida ends here with Private capital investors. We're here to help you out with all your financing needs. Our happy customers are our biggest brand ambassadors who bring in more people in need of financial assistance through loans so we could help them.

If you're tired of the lengthy loan eligibility requirements set up by traditional banks, there's no reason to worry anymore. With Private capital investors, you don't have to any longer worry about fulfilling the lengthy list of loan eligibility requirements.

A high-value asset and a minimum of 20% of borrower's equity are the 2 most important things that we look for in-out borrowers before we approve the loan. Forget waiting for the loan approval for days together if you apply to us.

Our team of commercial loan consultant professional is scrutinize your loan requests and provide you a confirmation about the loan approval within the short duration of time because we understand the importance of time in the commercial real estate market better than anyone!
If commercial real estate market is a king now, we've known it since the time he was a prince!

Get in touch with one of our loan consulting professionals to know everything you need to know about commercial real estate loans. We'd be glad to serve you!"

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Commercial Real Estate Lenders in Florida | Stated Income Loans Florida - Private Capital Investors

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Our experienced team of commercial loan advisors specializes in getting stated income loans, hard money loans and other CRE loans at the lowest rates. Whether it bridge loan or stated income loan, we will make it easy & quick with flexible payments & no hidden charges.

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Seek the Best Advice from Private Capital Investors for Commercial Real Estate

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Seek the Best Advice from Private Capital Investors for Commercial Real Estate

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Stephen C

"I am pleased to be able to drop a quick line to thank Keith at Private Capital Investors for the wonderful service that was provided to me and my company. From the start of the process, I felt as though we were in the right hands, and receiving the type of support every borrower hopes for. I am aware that there have been many times that I felt that I was pushed to my limits, due to my lack of experience about how the process goes in the commercial lending arena, and I just wanted to really thank you and show my appreciation for always being patient with me. I plan on building a portfolio of multifamily properties, and I can assure you that Private Capital Investors will be the first telephone number that we dial."

Brian Levitz

"Finally, we actually found a commercial mortgage company that actually does what they say. From the beginning to the end, we always were able to get hold of Private Capital Investors, no matter if it was day, night, or even on the weekends. I even called on a Sunday expecting that no one would return the call at Private Capital Investors, but to my amazement, we got a call back within 30 minutes from the owner of Private Capital Investors Keith Thomas. This must have been the fastest closing I have ever witnessed, and I have closed at least 20 different commercial loans over the last 5 years. From start to finish, we were closed in 21 days, and I actually got a higher loan amount when everything was all said and done. I would advise anyone who is serious about working with a commercial mortgage company, you should really make Private Capital Investors your number one choice. They actually made me feel as though my loan was a priority, and that really brought a lot of comfort. Thanks so much Keith, you will get all of our loans in the future. "

Phil Stephens

"I must say, I was very skeptical starting over with a new commercial lender after going through hell with 3 previous lenders. The initial conversation I had with Keith, I knew right away he knew the industry inside and out. He did not cut me off when talking to him, he actually listened to what my needs were. If you are looking for a lender that actually does what they say, and always available to day and night, I highly recommend Keith at Private Capital Investors. Thanks Keith for saving my property."

Mike Daniels

"Keith just refinanced my commercial office building in DE & did an amazing job. He definitely is very knowledgeable about different options, where the market is, and the best and easiest way how to get things done! I highly recommend giving him a call, best call you will make!"

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Commercial Real Estate Loan Placement Advisors - Private Capital Investors

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Stephen C "I am pleased to be able to drop a quick line to thank Keith at Private Capital Investors for the wonderful service that was provided to me and my company. From the start of the process, I felt as though we were in the right hands, and receiving the type of support every borrower hopes for.