AVAILABLE COMMERCIAL LOANS FOR YOUR NEXT PROJECT

Most COMMERCIAL REAL ESTATE FINANCING requests can be broken down into three basic real estate user categories :
      -SMALL BUSINESS OWNERS-Owner User Properties.
      -INVESTOR PROPERTIES-Non-Owner User Properties.
      -NON PROFITS which includes religious, educational,and cultural facilities.

COMMERCIAL CONDOMINIUMS are a common property type in San Francisco due to the high cost of real estate found here, and often is the best choice when staying on a budget for the small business owner or investor.

SMALL BUSINESS OWNERS: While the loan types are usually either SBA or Non SBA, this financing can be for almost any real estate category or property type below except Residential buildings. The loan amount is determined by the cash flow of the business to occupy that building.

INVESTORS: Any property type listed below can be considered for investment purposes. Usually the loan amount calculated by institutional lenders (banks, credit uions, insurance companies) is determined by the Net Operating Income for the building (Rents-Expenses). 

RESIDENTIAL BUILDINGS-Multi Family Apartment, Mobile Home Parks and Single Room Occupancy (SRO) buildings.

MIXED USE BUILDINGS- This has two or more property types in one building such as a residential one or more Commercial types of buildings listed below.

INDUSTRIAL BUILDINGS -Manufacturing, Cold Storage, Bulk Distribution, Data Centers and Flex Buildings.

ASSISTED LIVING FACILITIES-Residential Care facilities for youths and adults, Skilled and Non Skilled Nursing Facilities.

RETAIL BUILDINGS-From individual one store buildings and condominiums to strip and major shopping centers.

MEDICAL BUILDINGS-This can be a medical professional's office, center or lab. Owner Users often can get 100% financing.

OFFICE BUILDINGS-Post COVID vacancies have made these loans challenging to get, but not completely impossible.

HOSPITALITY: Hotels, Motels, Restaurants, Bars and sometimes a combination

SPECIAL PURPOSE BUILDINGS: Golf Courses, Marinas, Car Washes, Convenience Stores, Gas Stations, as as many typical NON PROFIT buildings such as Religious and Cultural Centers.

BRIDGE FINANCING-Is a temporary type of financing that helps borrowers needing a quicker close than a bank, and/or when the property, client or other factors do not meet current lending requirements. Higher Interest rates and Fees can often be offset with either a discounted sales price or less waiting time (opportunity cost). A negotiating tip for Purchase Transactions is to ask the seller to pay the incremental loan fees.

CONSTRUCTION FINANCING is available for Small Business Owner and Investor clients.The scope of work can range from a light or medium rehab, major remodeling down to the building's frame or even ground-up construction.