Loan Programs
Loan To Value
Property Types Current Rates
Commercial Loan Processing Explained
Cohen Commercial -Series Conduit Multifamily Loan
Program
CommercialBanc's Banc Series Blended Program offers borrowers a low cost, flexible
conduit loan option for multifamily and limited mixed-use properties.
Minimum Loan Size $500,000 Maximum Loan Size $5 Million
Maximum 80% LTV Yield Maintenance Prepayment
25 and 30 Year Amortizations 5/7/10 Year Fixed Term Options
Interest Only Payment Option Up to 25% Commercial Mixed-Use
1.15 DSCR in Low Cap Areas Subordinate Loans Acceptable
Reduced Prepayment Exposure
Greater of 1% OPB, or Yield Maintenance
No Prepay Penalty During Last 90 Days of Commercial Real Estate Loan Term
_______________________________________________
Typical Commercial Real Estate Loan Structure
Minimum Loan Size $1 Million Maximum 80% LTV
Fixed Rate Terms From 5-20 Years Mezzanine Option to 90%
25 and 30 Year Amortizations Non-Recourse / Standard Carveouts
No Personal Guarantee Required Defeasance or YM Prepayment
Typical 2-5 Year Lockout 1.20-1.35 DSCR Requirements
Eligible Property Types
Apartment/Multifamily
Hotel
Industrial
Manufactured Housing Communities
Mobile Home Parks
Office Building
Retail (Anchored -Unanchored-Weak)
Self Storage
Shopping Center
Warehouse
_______________________________________________
Property Types
We Can Provide Financing For A Wide Variety Of Properties.
Use the expertise of Principle Commercial Mortgage Consultants to determine the proper
loan for your commercial property – and take advantage of the simplicity and speed of our
programs to simplify their financing. Eligible properties include:
Automotive Services – Everything from auto repair facilities to retail auto shops and auto
part supply stores.
Health Care - All Assisted Living or Nursing Home types of operations where a license is
required to operate the business.
Hotels/Motels - With our vast industry knowledge and expertise, we understand the non-
flagged world of hotels and motels better than most lenders. Our valuation assumptions
are based on facts relative to the specific property.
Multi-Family Housing - We fund residential structures that contain five or more dwelling
units in the same building. These multi-story buildings generally offer individual
apartments for rent with common area facilities, such as an entrance, lobby, elevator,
stairs, hallway, walks, or grounds.
Mixed Use/Apartment Buildings - These properties integrate residential spaces with
commercial uses, such as retail or office space. They often have a ground floor retail store
or office with apartment(s) above, all in the same building.
Restaurants - We provide competitively priced financing for a wide range of properties,
including owner-occupied and leased facilities as well as fast-food and full-service
restaurants in neighborhood or urban settings.
Retail/Office Buildings Designed for retail or office sales and display, this category
includes stand-alone buildings such as offices, supermarkets, convenience stores, drug
stores, department stores, bakeries, and beauty shops – as well as strip malls, and
neighborhood and community shopping centers.
Self-Storage Facilities - Now one of the most competitive building classes in the country,
these facilities are designed primarily for storage. This category also includes cold
storage, RV and boat storage facilities, and truck terminals (transit facilities).
Special Purpose/Unique Properties - Cohen Commercial Equity will consider all
commercial and unique properties that fall within our program guidelines and loan
amount ranges, including business condos/PUDs/co-ops, campgrounds, churches, day
care and educational facilities, funeral homes, golf courses, land (Acquisition &
Development), marinas/dockominiums, mobile and trailer home parks, outdoor
entertainment centers and parking garages.
Warehouses/Light Industrial Properties - Single and multi-tenant facilities that are used
for warehousing, light manufacturing, distribution, or research and development. Does not
include buildings where heavy manufacturing or specialized industrial operations such as
welding occur.
Other Services
Condominium sales with re-lease prices and prepayment options.
Joint venture capabilities and mezzanine financing structure.
Commercial real estate loans for acquisition or construction financing for the renovation of
an existing building for a new use (i.e. office to residential).
Acquisition and leasing of a partially or entirely vacant building in order to reposition the
property within a given market.
Hard money real estate loans for financing a property that is currently in foreclosure.
Opportunistic deals such as the purchase of mortgages either performing or non-
performing.
Time of the essence deals that must close in as little as 48 hours.
All types of Second mortgages.
Participating mortgages (equity & debt) which provide up to 90% financing.
The repurchase of debt by an owner at par or at a discount.
Financing for a property that is currently in bankruptcy.
| Call 1-800-928-6154 Bridge, Mezzanine, Hedge Funds, Long Term, and Line of Credit |
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Advantages of Cohen
Commercial Equity property
mortgage finance program
include:
LTV’s up to 85%
Fixed rates up to 30 years on
commercial mortgages
Flexible amortization terms
Potential for non-recourse loans
Low/no pre-pay penalties
Financing for non-conventional
properties
Potential for assumable
financing on commercial
property mortgages
Commercial Equity property
mortgage finance program
include:
LTV’s up to 85%
Fixed rates up to 30 years on
commercial mortgages
Flexible amortization terms
Potential for non-recourse loans
Low/no pre-pay penalties
Financing for non-conventional
properties
Potential for assumable
financing on commercial
property mortgages
|
Current Rates
Rates are for high quality, stabilized
properties and are subject to change
without notice. Examples are based on a
$2,000,000 loan amount for a 10 year
fixed-rate term and a 30 year amortization
schedule.
Other rate structures, terms and
amortizations are available. Multi-family
loans are available starting at $500,000.
Loans for other property types are
available from $1,000,000.
Rates are for high quality, stabilized
properties and are subject to change
without notice. Examples are based on a
$2,000,000 loan amount for a 10 year
fixed-rate term and a 30 year amortization
schedule.
Other rate structures, terms and
amortizations are available. Multi-family
loans are available starting at $500,000.
Loans for other property types are
available from $1,000,000.
Whether you are looking for a long-term
fixed rate or short term bridge loan, our
team of seasoned loan underwriters has
the experience and knowledge to guide
you through the financing process and
obtain the product that best aligns with
your goals. No matter what the interest
rate environment is when you are
looking for financing, we can ensure
extremely competitive rates and terms
for your loan through our relationships
with lenders nationwide.
Cohen Commercial Equity is able to
structure long-term, permanent
financing; construction and
development loans; bridge loans, or
interim financing; equity; transitional
financing, for properties yet to achieve
their income potential; mezzanine
financing, and more.
Our team works for you, the borrower,
to establish your needs and
preferences and match those with the
appropriate lender and the appropriate
financing vehicle. We bring to the table
relationships with a wide variety of
commercial lenders, and a wealth of
experience in guiding transactions from
start to finish and achieving
fixed rate or short term bridge loan, our
team of seasoned loan underwriters has
the experience and knowledge to guide
you through the financing process and
obtain the product that best aligns with
your goals. No matter what the interest
rate environment is when you are
looking for financing, we can ensure
extremely competitive rates and terms
for your loan through our relationships
with lenders nationwide.
Cohen Commercial Equity is able to
structure long-term, permanent
financing; construction and
development loans; bridge loans, or
interim financing; equity; transitional
financing, for properties yet to achieve
their income potential; mezzanine
financing, and more.
Our team works for you, the borrower,
to establish your needs and
preferences and match those with the
appropriate lender and the appropriate
financing vehicle. We bring to the table
relationships with a wide variety of
commercial lenders, and a wealth of
experience in guiding transactions from
start to finish and achieving
Permanent Loans
In the current interest rate environment,
with long-term rates at or near historic
lows, it is to most borrowers' advantage
to lock in a fixed rate rather than deal
with the uncertainty of an adjustable rate
mortgage. Additionally, an interest only
component is available in most cases, if
desired.
We have a variety of loan products
available from loans with 1 to 15 year
fixed rates, to fully liquidating loans with
terms of 20 to 30 years. The availability
of the various loan types depends upon
your specific project. We will work with
you to structure the loan rate, term and
amortization to suit your particular
needs.
Please see our current rate page to view
rates available today for various loans.
In the current interest rate environment,
with long-term rates at or near historic
lows, it is to most borrowers' advantage
to lock in a fixed rate rather than deal
with the uncertainty of an adjustable rate
mortgage. Additionally, an interest only
component is available in most cases, if
desired.
We have a variety of loan products
available from loans with 1 to 15 year
fixed rates, to fully liquidating loans with
terms of 20 to 30 years. The availability
of the various loan types depends upon
your specific project. We will work with
you to structure the loan rate, term and
amortization to suit your particular
needs.
Please see our current rate page to view
rates available today for various loans.
Bridge Loan / Interim
Financing
Bridge loans, or interim financing, are
available whether the structure involves a
first mortgage, secondary mortgage, or
wraparound financing.
Financing
Bridge loans, or interim financing, are
available whether the structure involves a
first mortgage, secondary mortgage, or
wraparound financing.
Construction / Development
Loan
Contact us to discuss your construction
and development financing needs. By
evaluating your long-term financing needs
at the start of the construction process,
you may be able to save. Forward
commitments are available to lock-in your
permanent financing rate before
construction is complete.
If a first mortgage falls short and your
current lender won’t allow subordinate
financing, it may be time to step up to the
Mezzanine.
Cohen Financial Group’s Mezzanines are
fast-closing commercial equity loans that
can be structured as short-term, interest
only instruments.
Available with or without equity
participation, these loans start as low as
$1,000,000.
PROPOSALS QUOTED WITHIN 24
HOURS
Loan
Contact us to discuss your construction
and development financing needs. By
evaluating your long-term financing needs
at the start of the construction process,
you may be able to save. Forward
commitments are available to lock-in your
permanent financing rate before
construction is complete.
If a first mortgage falls short and your
current lender won’t allow subordinate
financing, it may be time to step up to the
Mezzanine.
Cohen Financial Group’s Mezzanines are
fast-closing commercial equity loans that
can be structured as short-term, interest
only instruments.
Available with or without equity
participation, these loans start as low as
$1,000,000.
PROPOSALS QUOTED WITHIN 24
HOURS
Qualifying Projects (100% financing): acquisitions, start
ups, company expansions, mergers, new cash infusion, partner
buyouts, operating funds, inventions, research and
development (R&D), bailing out companies in trouble, real
estate developments, hotels, resorts, apartment buildings,
office buildings, mining projects, gas, energy, casinos, 5-Star
Mobile Home Parks (more list below)...FICO IS NOT AN ISSUE.
We accept and will consider ANY PROJECTS, and welcome
DEVELOPERS WHO ARE ON THE VERGE OF BANKRUPTCY
(Due to the lender backing out of their commitments).
Loan amount from $1,000,000 to $500,000,000
ups, company expansions, mergers, new cash infusion, partner
buyouts, operating funds, inventions, research and
development (R&D), bailing out companies in trouble, real
estate developments, hotels, resorts, apartment buildings,
office buildings, mining projects, gas, energy, casinos, 5-Star
Mobile Home Parks (more list below)...FICO IS NOT AN ISSUE.
We accept and will consider ANY PROJECTS, and welcome
DEVELOPERS WHO ARE ON THE VERGE OF BANKRUPTCY
(Due to the lender backing out of their commitments).
Loan amount from $1,000,000 to $500,000,000
We consider all commercial and unique properties that fall
within our program guidelines and loan amounts, including day
care and educational facilities, funeral homes, campgrounds,
outdoor entertainment centers, trailer and mobile home parks
and marinas.
Our nation's real estate market is extremely diverse with
countless types of properties. Special purpose and unique
property types may be an insurmountable hurdle to some
lenders but at Cohen Commercial Equity we have the
knowledge and experience to clear those hurdles. Cohen
Commercial Equity will consider all commercial and unique
property types falling within our program guidelines and loan
amounts.
Up to 70% LTV
Documentation - No doc - Full Doc - Limit Doc
Amortization - 25 years
Bridge Loans - 1 to 5 Years
No Appraisal Required
Loans up to $50, 000,000
within our program guidelines and loan amounts, including day
care and educational facilities, funeral homes, campgrounds,
outdoor entertainment centers, trailer and mobile home parks
and marinas.
Our nation's real estate market is extremely diverse with
countless types of properties. Special purpose and unique
property types may be an insurmountable hurdle to some
lenders but at Cohen Commercial Equity we have the
knowledge and experience to clear those hurdles. Cohen
Commercial Equity will consider all commercial and unique
property types falling within our program guidelines and loan
amounts.
Up to 70% LTV
Documentation - No doc - Full Doc - Limit Doc
Amortization - 25 years
Bridge Loans - 1 to 5 Years
No Appraisal Required
Loans up to $50, 000,000
| Hedge Funds up to 100% Financing |
| Commercial Hard Money Projects: 70% Financing |
| 25-30 Years-Long Term and Short Term Loans. 1% Option Arm Available |
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)
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)
| CohenCommercialEquity |
