Commercial Real Estate Loan types

  Loan calculator

Select your commercial real estate loan type, download the application forms, complete and return forms to appropriate department per instructions. Please Note: While there are thousands of unfunded project brokers/owners looking to sell their idea to a funding source for  capital support based upon a return on future cash flows from projects, we are not in this class of capital sources. Please refrain from submitting these types of funding requests.  If your loan type is not addressed here, please      Contact Us   This is not an all-inclusive list of all CRE loan programs available. USA properties only. Michael Lewis Group charges NO up front fees. Normative closing fees apply. All terms subject to change until term sheet issued.   USA, Virgin Islands, Puerto Rico, Canada acquisition, refinance, bridge & construction loans

 
Data Center Construction and Bridge loans  Hotel Financing 
 
NN / NNN / STNL CREDIT RATED MOB portfolio loans
 
Hospital construction loans   Hospital Purchase Loan   Medical Office Building construction loans     
 
Puerto Rico - Virgin Islands hard money bridge and SBA loans
 
PPP Public Private Partnership Infrastructure Funding - Airports, Stadiums, Utility Scale Solar, Municipal
 

Transaction Type	Applicable Commercial Property, Loan Type or sample non-binding examples of loan range of terms, conditions or parameters.	Loan Forms Download Link	Typical days to close
NNN,  STNL, BBB+ Franchise Purchase	Rates from 3.25% Malls, drug store, BBB+ S&P / Moodys rated STNL franchise	NNN STNL Loan Docs	60-90
Commercial Real Estate Purchase Loan	From 4%, various fixed and amortization terms and rates Most commercial real estate property types: NNN / STNL Multi Family Mobile Home Parks Light Industrial Car Washes Warehouses Marinas Automotive Services Office Buildings Mixed-Use Buildings Restaurants Shopping Malls Apartment Buildings Auto Dealerships Funeral Homes Self-Storage Units Hotels/Motels Gas Stations Assisted Living Retail Stores Shopping Centers Golf Courses Condo-Hotels Parking Structures Medical Facilities Condominiums Churches   Not an all inclusive list - Most CRE property types considered. Submit complete acquisition purchase application package for consideration.	CRE Loan Docs	60-90
NO MIN FICO Commercial Conventional Loans	Subprime Commercial Loan Size: from $1mm to $10mm Location:   Urban and suburban US properties, West Coast Collateral:  NO LAND OR SINGLE FAMILY. Improved income-producing commercial properties only Rates:  from 4.4% Terms:  Up to 30 years Max LTV:  70% based on appraised value Min. FICO:  None	No min fico commercial purchase docs	60 - 90 day close
Commercial Real Estate Refinance Loan	Most commercial real estate property types: From 4%	CRE Re-Fi Loan Docs	60-90
Commercial Real Estate Bridge Loan	Most commercial real estate property types: (Office/Retail/Industrial/Multifamily) 3mm+, 1-3yrs up to 75% LTV Non-Recourse Rates starting at 5.99%	CRE Bridge Loan Docs	3-30+/-
Commercial Real Estate Bridge to Permanent Loan	Most commercial real estate property types: Min loan size $500,000 Bridge from 8%. We can facilitate perm exit.	CRE Bridge to Perm Loan Docs	10-30 bridge. Perm dependent upon requirements
Commercial Real Estate Blanket Loan for Multiple Properties - Buy, refi, cash out	Most commercial real estate property types: Stabilized Properties 5-30 Year Term To 75% LTV Minimum loan size $300,000 Floating and Fixed Rates ranging from 4.875% Non-stabilized return completed loan docs with LOE Our blanket loan programs apply to a minimum of two CRE properties to thousands - (ie: entire SREO or entire data tapes up to $500mm.)	CRE Blanket, Re-fi, Cash-out Loan Docs	60+
Commercial Real Estate Hard Money Purchase Loan	Most commercial real estate property types: Stabilized Properties 5-30 Year Term To 75% LTV From 8%	CRE Hard Money Loan docs	3-30
Commercial Real Estate Hard Money Cash Out / Re-Fi Loan	Most commercial real estate property types: Stabilized Properties 5-30 Year Term To 75% LTV From 8%	CRE Hard Money Refi or cash out Loan docs	3-30 Typical 10 working days
CRE Hard Money Bridge Loans	Most commercial real estate property types: Stabilized or Non-Stabilized Properties with exit 6 month to 3 Year Term To 75% LTV From 8% Generally, the faster you need the loan, the higher the risk and interest rate	CRE Hard Money Bridge Loan docs	5-30
Commercial / Residential Investment Property Soft Money	Up to 70% LTV Rates starting at 6.99% w/ 1 point (Par Priced Loans available) Stated Income-No Tax Returns 640+ FICO Residential - NOO. No substantial rehabs. $150k- $1.5mm Commercial $150k - 5mm 10% seller carry allowed for purchase, 25% Min from borrower.	CRES Soft Money Loan Docs	45 - 90
Small Balance Commercial	Loan Amounts: $25k to $500k Terms: 5-25 Yrs Amortization: 5-25 Yrs LTV: 75% Max	Small bal CRE loan docs	60
Non-Stabilized Short Term Loans	To 65% Loan To Cost (INCLUDING REHAB) Variable Rates TBD 5-10 Year Term To 75% LTV Floating and Fixed Rates ranging from 4.875%-7% 90% of Portfolio must be stabilized Non Recourse SFR, CONDO, TOWN HOME investment ports / properties	Non-Stabilized Short Term Loan Docs	3-60+/-
Luxury Single Family Residence Investment Property Loans	Western USA, Hawaii and Alaska only at this time. Bridge loans for land acquisition, renovation if necessary and subsequent construction phase. Minimum $1mm , $4mm maximum LTC 60% - 80% Rates from 7.9% Lender points 1.5 - 2.5	1003   Proof of Funds   LLC Formation Docs	Fast commitment
Residential/Commercial Investment Properties: LOW DOC -NO CREDIT	To 65% LTV, Min $100k-$5mm AL,CO,CT,DC,DE,GA,IL,IN,LA,MD,MA,MN,NY,NC,OH,OR,PA,RI,SC,TX,UT,VA,WA,WI Acquisition, re-fi, bridge loan Low appraisal cost, fast site visit and closing. High risk, high interest We can facilitate exit (perm) if required.	No/ Lo Doc Loan Submission	3-10 work days +/-
Fix and Flip / Rehab	Colorado, Texas, Missouri, Washington, Ohio, Illinois, Florida, Georgia, South Carolina, Virginia, and West Virginia, California 1.5 lender pts. Up to 2.5% broker points $500 processing fee to lender. Points never go above 4. Up to 80%  (ARV) Up to 90% of Purchase Price (10% down minimum) Will fund 100% of Rehab. No Tear Downs, Ground up, or rehab in excess of purchase price No appraisals. BPOs are used. Instant online pricing/pre-approval. $199 App fee for credit, background, and BPO Rates start at 9.75%, I/O, No pre-pay. Pricing dictated by borrower experience, credit score, LTV.	Application   PFS   Credit Auth	30 days +
SFR investment property purchase or refi, refi-cash out One doc loan!   FAST closing! Download the doc, complete, return.	NO INCOME OR ASSET VERIFICATION NO DOWN PAYMENT SOURCING/ SEASONING   Fast appraisal (approximately $450 -$500 - depends upon state) No debt to income ratios Must have a 580 score + 30 day seasoning on a rehab! Buy a home, rehab it & after 30 days apply for a cash out loan—NO ONE else does this Cash outs while your home is listed! Have your home listed on MLS and take cash out—NO ONE else does this!   (Example - FHA requires 90 days property not being listed & conventional requires 180 days) Most states on and east of the Mississippi plus Texas and Oklahoma Not north of Boston, no Arkansas, Kentucky, or West VA.   We can do refi cash out or purchase. MINIMUM 580 FICO	Loan doc	10 working days +/-
Fast acquisition or refi / cash out for rental properties Stated income Single Family Detached 1 -­­ 2 Family 3 -­­ 4 F a m i l y Townhomes Warrantable Condos	30 yr loan 7/1 Libor ARM Rates from 6.9% Stated income - 75% LTV Purchase, rate/term refi, and cash out refi Requires most recent tax returns just to make sure client is filing WE DO NOT calculate Debt-To-Income Ratio Income is not a qualifying factor  Rate based off mid credit score, LTV, and DSCR - minimum 630 FICO Min Loan amount is $45k Min property value - $80k Max Loan $1,000,000   Must be non-­­owner occupied Must be less than 2 acres Minimum gross living area 750 sq ft	Matrix Loan doc	2-3 weeks
Owner Occupied Residential and Commercial Hard Money	Up to 100% financing on owner-occupied commercial real estate. One of the great features of this new program is the ability to finance closing costs, improvements, and other borrowing needs (furniture, equipment etc.). A quick overview of this program:   -Offering SBA 7a, SBA 504, USDA B&I and Conventional Business Loan program -Loans available for business or real estate acquisitions, construction, refinancing, franchise or equipment financing. -500k minimum loan amount, terms up to 25 years fully amortizing -Fast, accurate and free loan pre-qualification process	Owner Occupied res and cre hard loan docs	10-60+/-
Hotel / Motel / Casino / Hospitality Purchase	Non-Recourse Permanent Financing CMBS and conventional loans starting at $3 MM. Current Rates 5.38% I 10 YEAR FIXED Term 5-10 year term 25-30 year amortization Loan Parameters LTV from 65% to 75% DSCR > 1.45x	Hospitality Purchase Docs	60-90
Hotel / Motel / Casino / Hospitality Re-Fi	From 3.25%	Hospitality Re-Fi or Cash Out	60-90
Hotel / Motel / Casino / Hospitality Bridge Loan	Non-Recourse Bridge Loan - Great for non stabilized properties or rehab. Current Rates Starting at 6% Term 3 Years Prepayment: Waived. (If we do the permanent financing.) Loan Parameters Up to 75% DSCR starting at 0.95x Non recourse Pre-approval for permanent financing including CMBS ---- Hard Money Loan Current Rates As low as 10% (With 2-4% origination fees) Term 1 – 2 Years	Hospitality Bridge Loan Docs	20-90
Hard money USA and Canada Construction Purchase Bridge Re-fi	Resorts RV parks Industrial Auto dealer Hospitality Self storage Multifamily Golf courses Subdivisions Movie theater Parking facilities Religious buildings Strip Mall / shopping center Retirement / assisted living Inventory loans for builders Private educational facilities Condo construction / conversion Land loans for development with viable exit USA major metro areas and Canada metro. To 65% for land purchases with viable exit, commercial & industrial properties and construction, higher LTV with acceptable collateral.   To 75% for income producing properties.   Typically full recourse.   Closings typically 10 working days after receipt of required documentation. Subdivision land, pre development, residential and commercial new construction, revolving credit facilities construction and inventory loans, Interest only fixed rate acquisition and re-fi term loans  1-3 year term, minimum $4mm / max at around $100mm. Bridge loan - 30 days to 12 months $4mm / max at around $100mm. example rates:   10 - 12% I/O with 30 day take out notice typical	PFS   PI & auth   Forms list   Send a ONE PAGE summary so we know which other  intake form to send you: IE Purchase, bridge, re-fi or construction / development See bottom of page for email address	Under 30 days 10 working days typical after receipt of loan docs
Hotel / Motel / Casino / Hospitality PIP Property Improvement Loan	Many property improvement and FDD compliant programs available.   Submit basic info to: piploans@michaellewisgroup.com   See pip loan instructions for required documents list.	Hospitality PIP Loan Docs	60+/-
Fast low LTV hard money $1m+	Fly and Fund Program. Meet the check writers. Commitments with a handshake. Fast close, high risk - high interest. This lender charges an up front due diligence fee to pay for their site visit.   We can facilitate exit to perm if required. True short term, fast close loan solution. From $1mm Based upon property valuation to loan Contiguous USA states, top 50 MSA's, Low LTV Structured for short term, fast resolution scenarios Distressed property fast bridge loans	Fly and Fund fast close hard money loan docs	3-15
Portfolio Pool Blanket Loan Program	Stabilized Properties Product Terms 5-10 Year Term To 75% LTV Floating and Fixed Rates ranging from 4.875%-7% 90% of Portfolio must be stabilized Non Recourse SFR, CONDO, TOWN HOMES States: Nationwide	Port Pool blanket loan docs	20-90
Landlord Loans	For Leveraging rented, stabilized portfolios Competitive rate Advance rate: Up to 75% of purchase price Term: 5 years $500k to $100 million 4-6 weeks close USA properties only	Landlord Loan Docs	30+/-
Multi Family Purchase	Multi Family purchase, re-fi, bridge, blanket loan From 4%, various fixed rate and amortization periods.	Multi Fam Loan docs	Bridge 30 Purchase 60-90 Re-fi 30-90 Blanket - 60+
NO MINIMUM FICO Commercial Multifamily Loans	Subprime Multifamily from  $1 Million to $25+ Million Location:  Urban and suburban US properties, Nationwide             NO LAND OR SINGLE FAMILY Improved income-producing multifamily properties Rates:  from 3.9% Terms: Up to 30 years Max LTV:  75% based on appraised value Min. FICO:  None	No Min FICO MF loan docs	30-75 days
Nationwide Multi-Family 5+ units	Loan Amount:  $500K - $5MM Term & Amortization:  up to 30yrs Rates:  starting at 3.75% Interest only available 30-45day closings	Nationwide Multi-family loan docs	Close avg 30-45 days
Single Family Rental Residence Investment Portfolio Line of Credit   $1mm - $100mm	For acquiring, rehabbing, and growing portfolios    $1mm Line minimum, to $100mm 12 month draw Non-Recourse Loan 640 Minimum Credit score Active partner (minimum of 10 transactions in the last 12 months) No Bankruptcies, no Felonies Rate is 9% I/O, 3 point Lesser of 75%LTV or 85% LTC, Rehab funds max out at 35% No collateral required other than properties acquired using the LOC Proof of Funds Letter supplied $500k to $100 million    Time to Close    30 days +/- ( LOC commitment 3-5 days)    USA properties only	SFR Port LOC Docs	Commitment 3-10. Close 10-60
Single Family Rental Residence Investment Portfolio Line of Credit   1-4 unit   From $100,000 revolving LOC	2 programs; 10% or 20% down 700  or 620 FICO Rehab- lesser of 80% of acquisition and rehab costs or 65% of (ARV) 5, 10 or 30 year fixed Up to 30 year amortization Rates high 5's to high 7's Send request for line on Word Doc with contact info, Track Record, Credit Auth and SREO	Track Record   Credit Auth SREO	30+/-
Loan on Cash Flowing Properties - 1-4 Units	Approval Based on Cash Flow   1-4 Units 620 Fico Score 12 Month Liquid Reserves $100,000 Minimum Value 30 Year Fixed 75% Maximum LTV Rates 6-7.5% Send request for loan on Word Doc with contact info, Credit Auth and SREO	SREO   Credit Auth	30+/-
Blanket Loan on Multiple Properties	Approval Based on Cash Flow 620 Fico Score 6 Months Liquid Reserves $50,000 Minimum Value Per Property 5, 10 and 30 Year Fixed $150,000 Minimum Blanket Loan 75% Maximum LTV Rates 5 - 7.5% Send request for loan on Word Doc with contact info, Credit Auth and SREO	SREO Credit Auth	30+/-
Marina loan	Various fixed rate and amortization periods. Many options available to suit your needs.	Marina Loan Required Loan docs	10-60 days depending upon loan type
Credit line for active lenders   For lenders only. $10mm - $100mm	USA only. $10M minimum For experienced, established lenders with at least a MINIMUM CURRENT  $12M+ balance sheet of loans.   Rates starting around 6% for line.   To apply please supply: 1: Loan portfolio spreadsheet or current inventory. (redact proprietary info please - we need only to see mix of loan types, MSAs and amounts) 2: Bio’s on principal(s) & company:    (How long in business, types of loans serviced, terms, MSA’s serviced, rates, etc.). 3: Executive summary spelling out their loan / line request. 4: Full contact info for principal contact - Full legal name, email, best phone number. 5: PI & Auth form 6: PFS for principles owning 20% or + of client company	WLOC : Submit 6 Pre-Qual Items listed	10-30 Variable. Contact with submission docs
Fast Small Business Loans	FAST Private-money Low Doc loan   Low or no prepayment penalty and No out-of-pocket fees USA ONLY - No real estate collateral required $50,000 to $500,000 1 to 5 years Minimum FICO 620 No prepayment penalties Monthly payments Rates from 6.99% Close in as little as 2 weeks Funds can be used for: Working Capital, Inventory, Equipment, Debt Consolidation, & more. NO start-ups. Must show 2yrs tax returns & Min $150K/yr revenue.   Submission Docs Required: Personal Financial Statement, last 2 years tax returns, tri merge credit report, business debt schedule, last 2 months bank statements, year to date P&L/Balance Sheet.	See submission docs required on left   PFS Credit Auth Send all completed docs here	10 working days typical after receipt of all  submission docs
B2B Asset Based Lending	Corporate B2B Asset Based Lending. $1m-$30m. FAST Closings. USA/Canada only $1m-$30m USA/Canada only   Must be "in business" Geared towards Manufacturers & Distributors Lines of Credit & Corporate Loans   We'll need: A/R A/P Current Income Current Balance Inventory Detail Report   B2B only. Borrow based on A/R, Inventory & Equipment LOI possible within days Funding possible in a few weeks Lines of Credit and Corporate Loans	Simply send: A/R A/P   Current Income   Current Balance   Inventory Detail Report	10-30 days
SBA CRE Loan 504 7a USDA	SBA commercial real estate acquisition and re-fi SBA 504 Loan For Acquisition Full recourse loans from $1-15 MM. Current Rates Starting at 5.50% Term - 10 Years Loan Parameters: Personal credit score of 675 or better. DSCR > 1.20x Commercial Business Loans – SBA 7A & 504 Up to 90% Financing for Owner Occupied Properties   Investment Properties Up to 80% Financing for Income Producing Properties Warehouses Multi-family Shopping Centers Office Buildings No Maximum Loan Amount	SBA Commercial Real Estate Loan Docs	60-90
SBA Business Loan	Any SBA qualified business loan. Restructure, acquisitions, A&R	SBA Business  Loan Docs	60-90

Submit documents to submit@michaellewisgroup.com or
send us a drop box link via email for all completed documents. 
Incomplete applications cannot be processed.      We do not facilitate 100% funding. **

Purchase or Bridge Loan	Refinance and Refinance Cash Out	PI and Auth Credit Pull Authorization	Personal Financial Statement
SREO for blanket and portfolio loan	1003 application	Commercial Rent Roll form	I & E Operating Statement

 

Truck purchase or refi application	Hospitality Construction Application	Commercial Construction Generic App
Truck application credit authorization	Hospitality PIP loan Application	Commercial Real Estate Purchase
SFR 1-4 Construction Loan	Hospitality Purchase Loan	Commercial Real Estate Refinance
SFR 1-4 Purchase or Bridge Loan	Hospitality Refinance Loan	Small Balance CRE Blanket Loan
SFR 1-4 Refinance Loan	Generic Business Credit Application	Residential Development Loan

 
  © Michael Lewis Group Commercial Real Estate Loans

 
  

CONSULTANT REPRESENTS THAT IT IS NOT A LICENSED SECURITIES DEALER, AND THAT ANY AGREEMENT MADE BETWEEN PARTIES IS NOT INTENDED FOR THE PURPOSE OF BUYING, SELLING OR TRADING SECURITIES. Other commercial real estate loans

** 100% funding POST soft cost stage is available to BBB+ rated entities and sovereign countries on a sale lease-back option for acquisition and large scale PPP construction loans from $15mm to $5bn. Examples: Municipal, stadium, hospital / medical, class A apartment, big box stores, NNN, STNL , etc.


Recently completed commercial real estate loans and projects