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.

Unsecured Loans

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I get a lot of buyers asking about unsecured loans and my response is usually the same. A loan like this, at least in today’s real estate market just isn’t happening. In fact, unsecured anything just isn’t getting the play it may have back in the gold rush days of yesteryear. Even in the good old days, real estate loans demanded collateral and this usually came in the way of equity in the property.

The one exception was a situation called cross collateral. This is when you have a separate property that is free and clear of liens and you want to use it’s equity to purchase something else. This used to happen a lot and gave the lender more cushion and a better feeling about taking risk.

Even Hard Money loans require equity so unsecured loans just aren’t in the mix any longer. A strong balance sheet just doesn’t get lenders all warm and fuzzy anymore because business has become unpredictable.

Tags: commercial real estate loans, real estate 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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