Commercial Real Estate Loans

CMA Capital Funding Inc offers a complete selection of commercial real estate loans to meet the individual borrowing needs and investment objectives of our borrowers, for both investment and owner-occupied commercial properties.

Unique Loans For Unique Properties

Our loans start at $100k, an amount most lenders won't look at. But we're different! Flexibility is the key with us. We offer a variety of commercial loans , some with less restrictive underwriting guidelines, higher LTVs, and 25 or 30 year terms.

Commercial Hard Money Loan

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Hard money loans are available to investors that are FICO challenged. If you have a Loan-To-Value (LTV) in your commercial property of 50-60% equity and low FICO scores you are a prime candidate for obtaining a hard money loan. These loans are generally one to three year terms and in some cases up to 20 years with interest rates in the neighborhood of 9-12% and 3-5 points.

Qualifying for a hard money loan is not as difficult as you may think. Co-signers are not always required to be on title, no seasoning of credit trade lines are necessarily required, cross-collaterlization is permitted, foreign nationals are okay and if you are unable to fully document your personal income is not a deal killer. However, if your investment is an owner occupied structure you must be able to show the ability to repay the loan.

Tags: bad credit loans, commercial real estate loans, hard money loans.

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TYPES OF LENDERS

Banks

Usually a good overall source of lending, but dealing with them is tricky. You must be able to match up the type of property and the amount of financing compatible with the bank’s wishes. Large amounts, small financing, big town, small city, banks assets, standards and lending history.

Conduits

Commercial mortgage backed securities are excellent choices for shopping loans, but they are very strict and only want the cream of the crop properties.

Life Insurance Companies

Normally a tough sell, but great interest rates if you can get them to agree to your loan request. Stricter than Conduit’s, they want the best deals involving the best properties. They have lower and strict LTV ratio’s, usually lower than bank requirements.

REIT

A lot of negative publicity has mostly closed down many of these investment groups, but a few are still operating and can be a very good source for financing deals that fit their portfolio.

Hard Money

Once a stigma for bad credit and desperate borrowers, Hard Money Lenders use the wealth of investors, trusts and private individuals to make loans at higher than average returns. As the market tightens up, these guys can be valuable if you are looking for short term or bridge financing.

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