Conventional Loans For Commercial Real Estate

  • LTV up to 75 percent
  • Loan amounts up to $100 million
  • Terms up to 10 years
  • Amortizations up to 30 years
  • Up to 80% LTV on all properties and this includes cash-out transactions
  • Unrestricted cash outs
  • Borrower does not document income on tax returns, investor and owner occupied
  • Recently stabilized – we only need 75% economic occupancy for the preceding 90 days at a 1.15 DSCR
  • No seasoning on title and the ability to use appraised value vs cost basis
  • Out of state investors
  • Markets with higher CAP rates
  • Low liquidity – Ecf only needs 3-6 months of P&I in reserves

Using Conventional Loans For Commercial Real Estate

Like residential loans, conventional loans are amortized so borrowers have manageable monthly payments on the balance. Our conventional loans offer more robust amounts and terms, with a higher LTV than traditional channels, giving commercial real estate investors the flexibility they need to acquire properties. Additionally, lower LTVs typically qualify for higher financing with conventional loans, because the higher equity stake means there is less of a risk involved. Conventional loans can be arranged quickly with fast closings, so commercial real estate investors can acquire properties and start generating revenue as quickly as possible.

Property Types

Our conventional loans can be used in transactions for a multitude of property types, such as:

Apartment (5-20 Units)
Apartment (21+ Units)
Auto Services
Bed & Breakfast
Condo Conversion
Convenience Store with Gas
Day Care Center
Development (Residential)
Development (Commercial)
Dry Cleaner
Educational Center
Equipment Financing

Funeral Home
Gas Station
Golf Course
Health Care / Assisted Living
Hotel Condo
Hotel / Motel
Investment Condo
Light Industrial
Marina (Lake Access)
Marina (Ocean Access)
Marina with Gas (Lake Access)
Marina with Gas (Ocean Access)
Mixed Use

Mobile Home Park
Multi Family (2-4 Units)
Multi Family (5+ Units)
Office Condo
Parking Garage
Self Storage
Single Family Residence
Townhome / Residential Condo
Warehouse Condo

Get Started Today

Express Capital Financing provides a wide range of solutions for commercial real estate transactions. If you need fast, efficient, and affordable financing for your next property transaction, contact our offices. Learn more about our conventional loans for commercial real estate today.

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