Commercial Real Estate Loan Programs

Designed specifically for financing commercial properties, such as office buildings, retail spaces, and multi-family buildings.
Commercial Real Estate Mortgage Loan Highlights
  • Loan amount: Commercial Real Estate Mortgage Loan Programs can offer loan amounts up to $100 million or more, depending on the lender and loan type.
  • Loan terms: Commercial Real Estate Mortgage Loan Programs are typically available with loan terms ranging from 5 years to 30 years, allowing borrowers to spread out their repayments over a longer period of time.
  • Documentation requirements: Commercial Real Estate Mortgage Loan Programs typically require documentation of the borrower's personal and business financials, including tax returns, financial statements, and rent rolls.
  • Amortization: Commercial Real Estate Mortgage Loan Programs are typically amortized over the loan term, allowing borrowers to gradually pay down both the principal and interest.
  • Fixed or adjustable interest rate options: Commercial Real Estate Mortgage Loan Programs can be structured with either fixed or adjustable interest rates, depending on the borrower's preference.
  • Recourse or Non-Recourse options: Commercial Real Estate Mortgage Loan Programs can be structured as either recourse or non-recourse loans, depending on the lender's requirements and the borrower's credit profile.
  • Prepayment penalties: Commercial Real Estate Mortgage Loan Programs may include prepayment penalties, which are fees charged for paying off the loan early.

Commercial Real Estate Loans are the best alternative to hard money loans for investors. With both short term and long term options available up to 30 years fixed. 

This Non-QM mortgage products require certain overlays for investors however the loan is underwritten purely on property value and rent roll, typically based on DSCR, not using income or employment.

DSCR (Debt Service Coverage Ratio) = Net Operating Income/ Debt Service (Principal + Interest)

Commercial Real Estate Loan Programs:

  • Purchase / Refinance / Cash Out Refinance
  • Rental Properties 1-4 Units
  • Multi Family (5+ Units)
  • Mixed Use Properties
  • Commercial Properties (Office, Retail, Warehouse, Self-Storage, Light Industrial, Mobile Home Park, Automotive and more)
  • Up to 75% LTV
  • Up to 30 Year Fixed

Apply Now to Purchase a Commercial Property!

Or Use One of Our Alternative Non-QM Loan Programs for Real Estate Investors Including: Conventional, DSCR, Cash Flow, No Doc, Bank Statement, Foreign Nationals, Hard Money and More!

For Real Estate Investors we have a variety of commercial lenders to choose from with dozens of products including Non-QM Programs Such as No Doc, Bank Statement, DSCR, Foreign Nationals, Hard Money and many other types of loans. Let us shop over 100 lenders and banks to find the best loan for your property. 

Specialty Loan Types:

  • Private Money & Hard Money Loans
  • Bridge & Blanket Loans
  • Fix & Flip & Rehab Loans
  • Real Estate Portfolio Loans
     

Commercial Loan Program Terms:

  • Up to 90% CLTV Purchase
  • Up to $100M Loan Amount
  • 5-100 Units
  • No Employment or Income Verification
  • Close in an LLC or Entity
  • Multi Family, Mixed Use, Retail/Office, Hospitality, Apartments, Senior Housing +more
  • Rehab and Ground Up Construction Available
  • Flexible Amortization Options

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About The Mortgage Calculator
The Mortgage Calculator

The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! 

Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes!

Our team of over 400 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access thousands of mortgage programs using Alternative Income Documentation such as Bank Statement Mortgages, P&L Mortgages, Asset Based Mortgage Programs, No Ratio CDFI Loan Programs, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages and thousands more!

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