Helping You Grow Your Real Estate Portfolio
Whether you're buying your first investment property or expanding your real estate portfolio, Commercial Loans for Property Investors give you the flexibility and funding you need to make smart investments.
Why Choose a Commercial Loan for Property Investors?
Purchasing New Properties
Expand your portfolio by acquiring new commercial buildingsRenovating or Improving Properties
Make upgrades to increase the value of your current investmentsRefinancing Existing Properties
Refinance at a lower rate to save money or fund new investments
Commercial property investor loans are designed to help you finance the purchase, renovation, or refinancing of commercial real estate. These loans are perfect for financing different types of commercial real estate.
If you're looking to grow your investment portfolio, a commercial property investor loan could be just what you need.
Commercial Loans for Property Investors
FlexTerm Loan
Customized loans to meet the individual needs of each investor.
Designed for real estate investors seeking lower payments on a long-term, fixed-rate loan with no balloon payment.
Key Features
30-year fixed rate
Interest-only payments up to 10 years
Great for qualifying self-employed investors and small business owners
Based on property value, not personal income
Best alternative to hard money loans
Property Types
Investor 1-4 (SFR, Condo, and 2-4 Units)
Multi-Family (5+ Units)
Mixed-Use
Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
Fix & Flip Financing
The best short-term solutions for acquiring and improving property value.
Designed for “fix-and-flip” investors who are seeking a short-term, interest-only loan to acquire and improve a property based on its “as repaired value” (ARV)
Key Features
Allows borrowers to finance improvements
Great for borrowers who need a quick close
An interest-only 1-year term provides lower monthly payments
A higher LTV than hard money lenders
Property Types
Investor 1-4 (SFR, Condo, and 2-4 Units)
Flexible Interest Only
A short-term interest-only loan program
Designed for investors seeking short-term financing with no prepay penalties
Key Features
An interest-only, 24-month term provides lower monthly payments
Available for purchase or cash-out refinance
Perfect for acquiring or leveraging real estate holdings
A higher LTV than hard money options
Property Types
Investor 1-4 (SFR, Condo, and 2-4 Units)
Fast Money Loan
A low LTV loan with easy credit requirements
Designed for investors with derogatory credit issues and high equity seeking quick and easy credit qualification
Key Features
Great for borrowers with a recent bankruptcy or notice of default
No seasoning of ownership required
Improved pricing compared to our FlexTerm program
Derogatory mortgage history OK
Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years
Property Types
Investor 1-4 (SFR, Condo, and 2-4 Units)
Multi-Family (5+ Units)
Mixed-Use
Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
Foreign Investor Loan
The perfect option for foreign real estate investors
Designed for foreign investors who are seeking investment properties in the U.S. but have not found a financial solution
Key Features
LTVs of up to 75%
No U.S. credit required
No seasoning of funds required
No other U.S. investment experience required
Property Types
Investor 1-4 (SFR, Condo, and 2-4 Units)
Multi-Family (5+ Units)
Mixed-Use
Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
FAQS
What is a commercial loan?
A commercial loan is a type of financing used to purchase, refinance, or improve commercial real estate properties.
What are the different types of commercial loans?
Bridge loans:
Short-term loans to cover expenses during a property transition
Construction loans:
Used to finance the construction or renovation of a property
Permanent loans:
Long-term loans to finance the purchase or refinance of a property
What factors are considered when applying for a commercial loan?
Credit score:
A high credit score is a consideration.
Debt-to-income ratio:
A low debt-to-income ratio is preferred or a low DSCR (Debt Service Coverage Ratio)
Property value:
The property's appraised value should be sufficient to secure the loan.
Rental income:
Projected rental income should be enough to cover the loan payments.
Down payment:
A down payment is typically required, often 20% or more.
How long does it take to get approved for a commercial loan?
The approval process can vary depending on the lender, but it typically takes several weeks or months.
What are the typical loan terms for commercial loans?
Loan terms for commercial loans can range from 5 to 50 years, depending on the type of loan and the property
What are the typical interest rates for commercial loans?
Interest rates for commercial loans can vary depending on market conditions, the lender and the borrower's creditworthiness. Contact HAF Business Associates today to find out more about rates for your commercial property mortgage.
How are commercial loans typically repaid?
Commercial loans are typically repaid through monthly payments that include both principal and interest.
Can I prepay my commercial loan?
Most commercial loans allow for prepayment, but there may be prepayment penalties.
What is a loan-to-value (LTV) ratio?
The LTV ratio is the loan amount divided by the property's appraised value
What is a debt service coverage ratio (DSCR)?
The DSCR is the net operating income divided by the debt service
What is a leasehold interest?
A leasehold interest is a right to use a property for a specific period of time, rather than owning it outright.
HAF Business Associates provides commercial loans and business financing solutions. All loan programs are subject to approval based on applicant creditworthiness, property eligibility, and other factors. Loan terms, interest rates, and fees are subject to change without notice. This website is for informational purposes only and does not constitute a commitment to lend. HAF Business Associates is not responsible for any errors or omissions in the information provided. The availability of these products may vary based on individual qualifications and state regulations. All loan programs and terms are subject to change without notice. To ensure that you are receiving the most up-to-date and accurate information, please contact us directly. Privacy Policy