| Loan Programs |
Property Types: Apartment, Anchor and Non Anchor Retail, Hotel, Office Building, Storage Facility, Warehouse and much more..... Cohen Commercial Equity works for you to provide a virtually limitless variety of financing options. We have experience financing multi-family projects, anchored and non-anchored retail shopping centers, mini-storage facilities, office buildings and more. In addition to the property category, the loan structure and availability are influenced by the region and immediate market conditions, the loan size, the tenant mix, and the owner’s financial strength and experience. Each of these categories of real estate has unique lending issues, both positive and negative. We are familiar with these issues and know how they are viewed from a lender’s perspective. We will determine the proper structure to meet your financing needs and preferences. Our job is to anticipate scenarios that may arise during the financing process and take appropriate steps to ensure that the loan process goes as smoothly as possible. |
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Our primary property types
are:
A and D Loans
Apartment Loans
Car Wash Loans
Commercial Construction
Gas Station
Multi-Family
Retail-Strip Mall, Anchor Store
Office
Mini-Storage
Mobile Home Parks
Owner Occupied
Medical Offices
Credit Tenant
Surgery Centers / Hospitals
Nursing Homes
Independent Care Center
Government Leased Properties
Franchise Restaurants
Hotel / Motel
Light Industrial
Warehouse
Capital products available
through
Cohen Commercial Equity:
Permanent Loans
Adjustable Rate Loans
Mini-Perm
Second Mortgage or Mezzanine
Debt / Equity, Joint Venture
Land and Land Development
Construction Financing
Bond Creation for Credit Leases
Bridge Loans
are:
A and D Loans
Apartment Loans
Car Wash Loans
Commercial Construction
Gas Station
Multi-Family
Retail-Strip Mall, Anchor Store
Office
Mini-Storage
Mobile Home Parks
Owner Occupied
Medical Offices
Credit Tenant
Surgery Centers / Hospitals
Nursing Homes
Independent Care Center
Government Leased Properties
Franchise Restaurants
Hotel / Motel
Light Industrial
Warehouse
Capital products available
through
Cohen Commercial Equity:
Permanent Loans
Adjustable Rate Loans
Mini-Perm
Second Mortgage or Mezzanine
Debt / Equity, Joint Venture
Land and Land Development
Construction Financing
Bond Creation for Credit Leases
Bridge Loans
Retail
From single-tenant, net-leased retail
properties to anchored and non-anchored
shopping centers, Cohen Commercial
Equity will help you achieve your financing
goals. We have experience with retail
acquisitions, refinancing and development
loans. We have available a variety of loan
structures for retail properties including
10-year balloon mortgages, long-term fully
amortizing loans, and loans with interest
only components. Cohen Commercial
Equity experience will ensure that you obtain
the financing appropriate for your needs.
If you are involved in a 1031 tax-free
exchange, our lenders can help you work
through and meet the specific time
constraints inherent in these transactions.
For properties that are either
underperforming or still in the lease-up
phase, Cohen Commercial Equity can
structure financing combinations that allow
greater leverage and provide earn-out
provisions when operating goals are
From single-tenant, net-leased retail
properties to anchored and non-anchored
shopping centers, Cohen Commercial
Equity will help you achieve your financing
goals. We have experience with retail
acquisitions, refinancing and development
loans. We have available a variety of loan
structures for retail properties including
10-year balloon mortgages, long-term fully
amortizing loans, and loans with interest
only components. Cohen Commercial
Equity experience will ensure that you obtain
the financing appropriate for your needs.
If you are involved in a 1031 tax-free
exchange, our lenders can help you work
through and meet the specific time
constraints inherent in these transactions.
For properties that are either
underperforming or still in the lease-up
phase, Cohen Commercial Equity can
structure financing combinations that allow
greater leverage and provide earn-out
provisions when operating goals are
Multi-Family/Apartment
Buildings
Whether the loan you are seeking is for
acquisition or refinancing, wherever your
real estate is located in the United States,
Cohen Commercial Equity can determine
the best lender and loan to meet your
needs. We will tailor loan terms to meet
your specific needs and preferences, with
the lowest possible closing costs. For
multi-family financing, we have loan
amounts beginning at $500,000. We work
with a variety of lenders capable of
delivering the types of long-term, fixed-rate
mortgages that are not available from local
banks.
Restaurants
Cohen Commercial Equity Loans provides up to 90% financing for flagged or
non flagged Restaurants. Normal commercial loans generally will only finance up
to 65% LTV for restaurants.
Purchase Loans: available to purchase Land; Building and Equipment.
Refinance loans: are available to obtain better interest rates and terms on your
existing restaurant or Cash out a portion of your equity in property.
Construction Loans: are available to purchase land; construct building and
purchase equipment with up to 90% LTV.
Cohen Commercial Equity Loans provides up to 90% financing for flagged or
non flagged Restaurants. Normal commercial loans generally will only finance up
to 65% LTV for restaurants.
Purchase Loans: available to purchase Land; Building and Equipment.
Refinance loans: are available to obtain better interest rates and terms on your
existing restaurant or Cash out a portion of your equity in property.
Construction Loans: are available to purchase land; construct building and
purchase equipment with up to 90% LTV.
Required documents for loan
Executive Summary
Last Three Years Business Tax Returns
P/L last 24 Months
Credit Release Form for ALL Borrowers (Signed & Completed)
�� Tri-Merge Credit Report (if you have one)
�� YTD Operating Statement (Signed & Completed)
�� Rent Roll (Signed & Completed)
�� Signed Lease Agreements
�� Copy of Previous 2 Years Business License
�� Mortgage/Lease Payment History 12 months cancelled
checks
�� Digital Photos of Property
�� If Purchase – copy of purchase contract
�� If Refinance – copy of note and current mortgage statement
Customized Financing
Cohen Commercial Equity Loans provide customized financing solutions for
commercial investors nationwide. Including:
Apartment Loans - Financing for apartment buildings and multi-family properties with more
than 5 units with up to 95% CLTV
Office Building Loans - Large or small office building financing available with competitive
rates with up to 95% CLTV.
Hospitality & Hotel/Motel Loans - A very popular investment sector in the commercial loan
market with up to 90% CLTV
Retail Property Loans - Flexible lending programs for retail business owners and investors
with LTV’s up to 97%
Industrial & Warehouse - Financing warehouse, distribution, and industrial space with up to
90% LTV.
Self Storage Unit Loans - Lending solutions available for self storage properties with up to
90% LTV.
Commercial Construction Loans - Advisory services for construction loans greater than
$500,000.
Mezzanine Financing – Provides 2nd lien financing from 1st mortgage lender, reducing
down payment.
Other Loan Programs - Includes second commercial loans, equity loans, and more.
Commercial Loan Rates - Updated weekly.
Retail / Office / Mixed Use
Full Documentation or Stated Income loans
available
Purchase
A. $150,000 to $25,000,000
B. Up to 97% LTV on owner occupied properties
C. Debt Service Coverage (DSC) 1.3
Refinance
A. Cash Out
B. Rate and term
Construction
A. Full documentation ONLY
B. Purchase land
C. Construction funding
D. Interest only 12-24 months
E. 1 time close - construction to permanent
F. 80% LTV
Full Documentation or Stated Income loans
available
Purchase
A. $150,000 to $25,000,000
B. Up to 97% LTV on owner occupied properties
C. Debt Service Coverage (DSC) 1.3
Refinance
A. Cash Out
B. Rate and term
Construction
A. Full documentation ONLY
B. Purchase land
C. Construction funding
D. Interest only 12-24 months
E. 1 time close - construction to permanent
F. 80% LTV
| Warehouse Line of Credit Whether on or off balance sheet, warehouse line of credit programs can fund an unlimited loan volume. This enables specialty lenders to enlarge their portfolios for maximum interest income and eliminating the need to manage multiple sources of capital. Apply Online |
Land Acquisition & Development Loans
The purchase and development of real estate can be a daunting experience, and acquiring
financing for it should not make the task even more challenging.
Through our A&D Loan Program, we at USA Mortgage Corp. can handle everything for you at
one time and in one place. We are committed to moving quickly in order to keep you on
schedule; no matter if your plans involve a single commercial building, an entire commercial
development, or a residential community
The purchase and development of real estate can be a daunting experience, and acquiring
financing for it should not make the task even more challenging.
Through our A&D Loan Program, we at USA Mortgage Corp. can handle everything for you at
one time and in one place. We are committed to moving quickly in order to keep you on
schedule; no matter if your plans involve a single commercial building, an entire commercial
development, or a residential community
Gas Station Commercial Loans -
Program Highlights
Minimum Gas Station Commercial Loan Size $500,000
15, 20, 25, & 30 Year Amortizations Fixed and Variable Rate
Options
LTVs Range Between 55% - 85%
Flexible Prepay Options Full Document
Only Minimum 640 Credit Score
2 Year Seasoning for Refinances Full Recourse Guarantee
Required
Program Highlights
Minimum Gas Station Commercial Loan Size $500,000
15, 20, 25, & 30 Year Amortizations Fixed and Variable Rate
Options
LTVs Range Between 55% - 85%
Flexible Prepay Options Full Document
Only Minimum 640 Credit Score
2 Year Seasoning for Refinances Full Recourse Guarantee
Required
HOTEL Excellent Rates and Terms.
Acquisition, Refinance, and Construction loans.
Franchise Hotels or non-flagged hotels.
15-20% Down payment. 10% Seller Carry OK
SBA, conventional, mezzanine, & conduit finance.
Minimum loan amount $500,000 to maximum of
$100,000,000.
Guidelines
SBA loan - 80% LTV for first time buyers. 95% LTV for existing owners
Conventional loan - Up to 85% LTV.
CMBS Conduit loan - non recourse up to 80% LTV. Fixed rate starting at 6%.
Strong debt service coverage required.
Acquisition, Refinance, and Construction loans.
Franchise Hotels or non-flagged hotels.
15-20% Down payment. 10% Seller Carry OK
SBA, conventional, mezzanine, & conduit finance.
Minimum loan amount $500,000 to maximum of
$100,000,000.
Guidelines
SBA loan - 80% LTV for first time buyers. 95% LTV for existing owners
Conventional loan - Up to 85% LTV.
CMBS Conduit loan - non recourse up to 80% LTV. Fixed rate starting at 6%.
Strong debt service coverage required.
|
| Eligible Properties: Apartments Assisted Living Facilities Auto Repair Garages Car Dealerships Care facilities Car Wash Facilities Casinos Church Financing Congregate Care Equipment for Start ups Ethanol Plants Factory Outlets Golf Courses Grocery stores Hospitality Hotels Housing developments Independent living facilities Industrial Parks Land acquisitions Manufacturing Medical offices Mini storage Mixed use Mobile home parks Movie/Film Production* Movie theaters Music / Record Labels Office buildings Offices Parking garages Raw land Regional malls Residential subdivisions Resorts Restaurants Retail Centers Senior housing Shopping Centers Special use buildings Strip centers Student housing Tract development Warehouse distribution centers Warehouses Wineries Working Capital (Start ups ok) |
Cohen Commercial Equity
Call for a Loan Expert 1-800-928-6154
Call for a Loan Expert 1-800-928-6154