Investing in Retail Real Estate

Retail properties are designed and constructed expressly for the purpose of selling consumer goods and services. While every retail property has the same end goal, they can vary greatly in format and size. They also vary greatly in value depending upon the metro, location within the metro, age and quality of construction and tenant base.

COMMERCIAL RETAIL FINANCING PROGRAM HIGHLIGHTS

Please note that these are just a few of the options we have available. We will work with you to find the perfect fit for your project.

BRIDGE TO FREDDIE MAC

  • Uses: Purchase, Recapitalization, Refinancing (Including Cash-Out), Upgrades and/or Seasoning, Expedited Closings
  • Good for Non-Stabilized Properties, Rehab/Renovations
  • Loan Size: $1MM – $7.5MM
  • Leverage up to 85% LTC/80% LTV
  • Terms: Typically < 2 yrs with 6 month to 1 yrs extensions available
  • Interest Only
  • Non-recourse

FIXED RATE PROGRAM

  • Uses: Acquisition, Refinance, Cash Out
  • Property Types: Multifamily, office, retail, industrial, self-storage and hospitality
  • Loan Size: $1MM – $25MM with portfolios up to $100MM
  • Stabilized properties
  • Terms: 2-10 yrs (can consider longer terms on case-by-case basis) with up to 30 yr amortization
  • Flexible payment schedules
  • Non-Recourse
  • As low as 1.20x DSCR
  • No minimum FICO stated
  • Can close in less than 30 days when requested

FIXED RATE FREDDIE MAC SBL PROGRAM

  • Loan size: $1MM to $7.5MM
  • Terms: Fixed 5, 7, 10 yr, Hybrid 20 yr ARM with initial 5, 7, 10 yr fixed
  • Prepayment: Declining schedules available
  • 120x DSCR Top, 1.25x Standard, 1.30 Small/Very Small
  • Stabilized properties
  • Amortization: Interest only partial term and full-term may be available with 30 year amortization.
  • Minimum 650 Avg FICO, Net Worth equal to loan amount, Liquidity equal to nine months debt service.