Commercial Real Estate is an exciting, dynamic market. Investing in CRE can be profitable and rewarding, but it all starts with the right loan. CRE loans break down the high upfront costs of onboarding new property and let you manage expenses over time.
Commercial Real Estate Loans
Commercial Real Estate is an exciting, dynamic market. Investing in CRE can be profitable and rewarding, but it all starts with the right loan. CRE loans break down the high upfront costs of onboarding new property and let you manage expenses over time.
Understanding
Commercial Real Estate Loans
Whether you plan to switch from renting to owning or want to fix and flip investment properties, a CRE loan can help. When you’re already paying for real estate, refinance with a new CRE loan to lower your monthly payments. A commercial mortgage works differently from a residential loan. CRE loans have much shorter terms and don’t rely on personal credit to qualify. They’re used for properties like offices, warehouses, retail spaces, and multifamily housing. CRE properties typically generate income that can help pay off the loan. If you want to invest in CRE and aren’t sure where to start, talk to a broker. We can help you qualify for the loan you want.
How to
Effectively Apply Funds
You have many options when it comes to financing your next commercial real estate purchase. CRE loans break down broadly into two types of use, “buy and hold” and “buy and sell.” Buy and hold usually means the property is an investment you intend to hold for several years. You can occupy the building yourself with an owner-occupied loan or rent it out with an investment loan. Investment loans are for income-generating properties like hotels, offices, and apartments. Buy and resell is essentially “fix and flip” properties that the buyer renovates and resells for a profit. To find out which loan is right for your business, speak with a broker today.
Our Services
Investment Properties
Investing in CRE can help earn your business substantial amounts of money. But before any property can generate income, you have to cover the initial expense of buying it. Use a CRE loan to manage those upfront costs and save capital for high-yield investments. Ask us how today.
Owner-Occupied
When you’re sick of rising rental costs and restrictive lease terms, it’s time to move into a space you control. An owner-occupied loan offers low rates and potential tax advantages over a traditional CRE loan. Once your business occupies the minimum required available space, you can rent out the remainder of the building for extra income.
Fix & Flip
Get what you need to make a cash offer on your next CRE purchase. Renovation costs can be rolled into the loan so you only pay on one loan instead of two. When the property sells, pay off the loan without worrying about prepayment penalties. Ask us how a CRE loan can help you fix and flip properties today.
Ready to start your financing journey?
Our pre-application process is simple. Your information helps us position you for financing so we can provide an overview and some initial options on our first call. Click the button below, fill out the simple form (no hard credit pull required) and we will connect with you soon!
F.A.Q’s
Get Informed
When is a CRE loan not a good fit?
Although CRE loans can be used to purchase residential properties, they’re not designed for them. You could end up paying higher interest rates with a much shorter term if you opt for a CRE loan to buy a house. If you’re looking for your next home, ask a broker to show you the way.
What is ‘amortization’ on a CRE loan?
Amortization is how your loan payments are calculated over time. It’s the percentage of interest to principal covered by each payment. Most of your payment is applied to the interest at the start of the loan term and gradually shifts to principal as the loan matures.
Is it hard to qualify for a CRE loan?
Since CRE loans come in many shapes and sizes, most investors can find one to suit their needs. SBA loans are a good choice if other lenders have turned you down. Hard money loans can be easier to qualify for since they’re asset-based rather than credit-based. Speak to a broker for more details.
How does a fix and flip loan work?
Fix and flip loans are short-term loans that let you cover the initial cost of buying property plus renovation expenses. They’re typically secured on the property being purchased. Most are based on the after-repair value, or ARV, of the property. Ask a broker for more information.