Simply put, a commercial real estate loan is a transaction between a lender and a company. These loans come in many shapes and sizes including:
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A conventional commercial real estate loan is a loan with a fixed rate mortgage, typically originated by a large bank.
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A commercial bridge loan is a short-term loan that can be used as a "bridge" until an investor secures permanent financing or is able to pay off the loan in full.
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Hard money loans are short-term loans usually originated by private companies. These loans have higher interest rates than traditional loans, yet a simpler application process.
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SBA loans are government-backed loans used to support small business entities. They offer low interest rates and long terms, yet they have stringent requirements.
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SBC Loans are commercial property loans designed for smaller commercial real estate transactions. Compared to traditional mortgage loans, these loans offer flexible terms and simpler underwriting requirements. They come in many shapes and sizes, but typically you will see Bank Statement, Light Documentation, and Full Documentation loan programs.
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A non-QM mortgage is a mortgage that fits outside the rules of a qualifying mortgage. This covers many buckets, but in this case we are referring to an investor loan such as Visio’s Rental360 Loan Program. Essentially, these loans are commercial loans for residential properties.
5 or more residential rental units
Mix between commercial and residential units.
typically a warehouse with a small office component.
Multiple tenants are required by most SBC lenders.
multiple tenants are required by most SBC lenders
Most lenders will shy away from single tenant buildings due to the risk associated with the loss of the tenant (of course this excludes the situation with a credit tenant triple net lease).
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Visio Lending enables small-to-medium investors to grow their portfolios of rental properties, including vacation rentals. Our DSCR Loans are underwritten using property level cash flow, rather than personal income. We're proud to offer:
Long-term financing with full 30-year terms and no balloon payment
The ability to protect your personal assets and finance in an LLC
Prepayment fee and interest rate buy downs
Visio Lending is the nation's premier lender for buy and hold investors offering, long-term loans for SFR and commercial rental properties, including vacation rentals.