Multifamily Loans
Purchase and refinance financing for 5+ unit apartment properties.
- Typical amount
- $500,000 to $25,000,000+
- Typical term
- 5 to 35 years (permanent), 12 to 36 months (bridge)
Commercial Real Estate
Commercial Real Estate Financing
REVEST Commercial Capital helps property owners and investors find financing for multifamily, mixed-use, retail, office, industrial, and other income-producing properties.
Commercial real estate loans are underwritten mostly on the property: its income, value, and condition, along with your experience and liquidity.
Options
Commercial Real Estate options we can help you compare
Each option fits a different need. Figures below are typical ranges and vary by funder and file.
Bridge Loans
Short-term financing for acquisitions, lease-up, and repositioning.
- Typical amount
- $250,000 to $50,000,000
- Typical term
- 12 to 36 months, often with extension options
Commercial Property Loans
Long-term financing for retail, office, industrial, and mixed-use properties.
- Typical amount
- $250,000 to $25,000,000+
- Typical term
- 5 to 25 years, amortization up to 30 years
Qualification
General qualification guidelines
Most commercial real estate funders look at the same core factors, though each sets its own thresholds.
- Loan to value
- Up to 65% to 80% LTV, depending on property type and program
- Debt service coverage
- 1.20x to 1.35x DSCR for most stabilized permanent loans
- Credit
- 660+ for most programs, with flexibility on some bridge loans
- Experience and liquidity
- Prior ownership experience and post-closing reserves typically required
These are general guidelines, not requirements. Each funder sets its own criteria, and approval depends on underwriting.
FAQ
Commercial Real Estate FAQs
What is the minimum loan size for commercial real estate?
Many commercial real estate programs start around $250,000 to $500,000, though some funders go lower. The right minimum depends on the property type and loan program.
How much down payment do I need for a commercial property?
Most commercial purchase loans typically require 20% to 35% down. SBA 504 and some multifamily programs may allow less for qualified borrowers.
How long does a commercial real estate loan take to close?
Bridge loans may close in as little as 2 to 4 weeks after a complete file. Permanent and agency loans typically take 45 to 90 days because of appraisals, third-party reports, and underwriting.
Do commercial loans require a personal guarantee?
Many do, especially smaller balance loans. Some larger stabilized loans are non-recourse except for standard carve-outs. It depends on the funder and the deal.
Can I finance a property in another state?
Yes. REVEST Commercial Capital works with funders that lend nationwide, so you can finance eligible properties in most states.
Next step
See what funding options may fit your deal
Share a few details about your business or property. We will review your file and walk you through the options that may fit, with no upfront broker fees.