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SBA 7(a) commercial property loans offer business owners adjustable rate loans with up 25 year loan terms. Loans are up to $5 million and are typically full-recourse. The SBA 7(a) loan program is the Small Business Administration's primary way of helping small businesses secure financing. These are the most common types of loans that the SBA guarantees, and the administration guarantees tens of thousands of them each year. While businesses must meet strict criteria to qualify, many small businesses -- including many real estate businesses -- are eligible for SBA 7(a) loans.SBA 7A FAQ’s The Small Business Administration doesn’t directly underwrite loans but instead provides guarantees through a variety of programs. The name for the...

SBA 504 loans for commercial real estate offer business owners fixed-rate interest, long amortization and no balloon payments. Loans are up to $5 million and LTV’s can be up to 90%. SBA 504 loans help businesses grow and create jobs by offering small businesses an avenue for affordable business financing. Through the 504 loan program, small businesses have access to long-term, fixed-rate financing, which they can use to expand or modernize their business. Non-profit corporations that work with the SBA and participating lenders, called Certified Development Companies (CDCs), provide financing to small businesses. CDCs are regulated and certified by the SBA.SBA 504 Loans FAQ’s Through the 504 Loan, 40% of the total project costs must come...

Traditional banks and credit unions offer the most prevalent variety of commercial real estate loans, encompassing multifamily properties. These loan programs cater to a wide range of investment property types and grant investors significant flexibility in their endeavors. Conventional commercial loans are flexible mortgage solutions that are provided by a bank, credit union, or savings institution that can be used to finance a range of commercial properties. Both novice and experienced commercial property owners may use these loans as the first-lien financing on a commercial property.Commercial Bank Loans FAQ’s Conventional commercial loans act as a primary lien against a financed property, and the time frame is usually medium- to...

Multifamily CMBS loans cater to a variety of investment properties, spanning residential, commercial, and industrial sectors, among others. Loan sizes typically span $1 million to $1 billion. Commercial mortgage-backed securities (CMBS) loans are some of the most common ways to finance U.S.-based commercial real estate projects. The loans are widely available for nearly all types of commercial properties, and they have some notable advantages over other kinds of commercial property loans. CMBS loans are also referred to as "conduit loans" because of how they're resold as securities. The loans are frequently packaged together and resold to investors as fixed-income investments. Thus, the loans are essentially resold as bonds and provide...

Multifamily bridge loans offer interim funding, bridging gaps during property acquisition or renovation. These short-term finances aid real estate investors and businesses in various sectors purchasing properties. Commercial bridge loans are a short-term financing solution that’s widely used within the real estate industry. House flippers, real estate developers and real estate investors all use these loans to “bridge” a gap when purchasing or renovating a wide array of properties. Even businesses in other industries may take out a commercial real estate bridge loan if they purchase a new property. These loans are a type of “hard money loan,” for they’re secured by tangible property (i.e. real estate). Because of the short time frames of...

Fannie Mae loans are specialized financial products designed for multifamily investors. They offer long-term, fixed-rate financing options with competitive interest rates. These loans are ideal for various investment strategies, including the acquisition, refinancing, or redevelopment. For commercial real estate investors, Fannie Mae Multifamily loans may prove to be a feasible way of obtaining lower costing financing. It is one of the largest sources of capital within this market in the U.S. Utilizing the Fannie Mae lending platform allows individuals to purchase and refinance multi-family homes, including senior housing, student housing, 5 or more unit apartments, and numerous other styles. Investing using this financial tool is an...

Freddie Mac loans serve as a robust financing solution for multifamily investors. They offer a range of fixed and floating-rate options with varying terms, often at competitive rates. These loans are versatile, supporting activities like property acquisition, refinancing, and even renovation or redevelopment projects. Freddie Mac offers a diverse portfolio of loan products that can be used for the acquisition or recapitalization of multifamily housing. For multifamily projects that meet program requirements, Freddie Mac is often the preferred program regardless of the specific type of housing. It’s widely used to purchase and refinance small and large projects of different housing types.Freddie Mac Multifamily Loans FAQ’s The Federal Home...

FHA/HUD loans are government-backed financial instruments specifically designed for multifamily investors. They offer long-term, fixed-rate financing with the added security of federal backing. They are well-suited for those looking to invest in stable, cash-flowing assets while mitigating risk through government assurance.   FHA loans offer some of the most generous terms of any commercial real estate loans. Their high allowed leverages, low interest rates and long available terms make HUD/FHA loans attractive to investors who are purchasing, building or renovating qualifying multifamily properties. Few other loan programs match what HUD and the FHA offer. FHA/HUD Multifamily Loans FAQ’s The Department of Housing and Urban...

Life insurance loans can fund various multifamily investments, but usually require top condition properties. These loans are typically for Grade A properties with low LTV and high DSCR. Many life insurance companies underwrite commercial real estate loans, either individually or in cooperation with other life insurance providers. The purpose of these loans is to provide the life insurance company with some returns, while significantly mitigating their risk exposure through diversification. That purpose or risk mitigation is the underlying factor in virtually all aspects of these loans. If you are looking for a long-term and low-rate commercial real estate loan, a life insurance company might have the right financing for your project.Life...