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Best commercial loans for investment property

Commercial real estate loan Florida

Commercial Loans for Offices, Multifamily, Retail Stores, Hotels, Warehouses, Industrial and More.

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What is a Commercial Real Estate Loan?

      A Commercial Real Estate Loan is designed for businesses, investors, and developers to purchase, refinance, or improve commercial property, such as office buildings, retail spaces, warehouses, and multifamily housing.

     Unlike residential mortgages for individual homes, these loans cater to properties for business use, providing essential capital to expand or establish commercial operations. They feature competitive interest rates, flexible repayment options, and higher borrowing limits, offering businesses the leverage to grow, enhance revenue, and achieve long-term investment goals.

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Types of Commercial Real Estate Loans:

1. Owner-Occupied Commercial Mortgages

  • Purpose: For business owners using over 50% of the property for operations (e.g., offices, warehouses).
  • Benefits: Provides stability by avoiding rent hikes and building long-term investment in a potentially appreciating asset.
  • Terms: Typically offers lower rates and more flexible terms, as the property supports the business directly.

2. Commercial Investment Property Mortgages

  • Purpose: Aimed at investors looking to purchase commercial properties as an income-generating asset (e.g., retail centers, multifamily housing, industrial buildings).
  • Benefits: Enables investors to acquire real estate to lease to tenants and earn rental income, with potential appreciation in property value.
  • Terms: Typically higher interest rates and stricter requirements, as lenders view these as riskier than owner-occupied properties.

3. Commercial Construction Loans

  • Purpose: Designed for developers or businesses looking to fund the construction of new commercial properties or significant renovations of existing ones.
  • Benefits: Provides funds in stages or “draws” based on project completion milestones, reducing the borrower’s financial burden upfront.
  • Terms: Short-term financing with flexible disbursement and repayment plans, often refinanced into a long-term commercial mortgage upon project completion.

3. Commercial Construction Loans

  • Purpose: Designed for developers or businesses looking to fund the construction of new commercial properties or significant renovations of existing ones.
  • Benefits: Provides funds in stages or “draws” based on project completion milestones, reducing the borrower’s financial burden upfront.
  • Terms: Short-term financing with flexible disbursement and repayment plans, often refinanced into a long-term commercial mortgage upon project completion.

4. Bridge Loans

  • Purpose: Short-term financing solution for businesses needing immediate capital, typically used while securing permanent financing or finalizing a property sale.
  • Benefits: Offers quick access to funds, allowing businesses to cover urgent expenses, acquire properties quickly, or avoid financing gaps.
  • Terms: High-interest rates with repayment terms between 6 to 36 months; ideal for short-term capital needs and temporary financing gaps.

5. Hard Money Loans

  • Purpose: Short-term, asset-based loan often used by investors or developers who need quick funding and may not meet traditional lending criteria.
  • Benefits: Fast approval and funding, as it’s based primarily on property value rather than borrower creditworthiness.
  • Terms: Higher interest rates and shorter repayment periods (often 1 to 3 years), making it suitable for projects with a quick turnaround, like property flips or rapid renovations.
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A Step-by-Step Commercial Real Estate Loan Process

  • Purpose: Start with a conversation to understand your business needs, property type, and financing goals.
  • What to Expect: Meet with a mortgage specialist to discuss your options and determine the best loan type and terms for your project.
  • Outcome: Get a tailored recommendation on loan options and what’s needed to begin the application process.
  • Purpose: Assess initial eligibility based on your business’s financial health, credit history, and property details.
  • What to Expect: Provide basic financial and business documents, such as credit scores, revenue statements, and business plans.
  • Outcome: Receive a preliminary estimate of loan terms, interest rates, and eligibility, allowing you to gauge your budget.
  • Purpose: Submit a formal loan application with complete documentation.
  • What to Expect: Gather necessary documents, including tax returns, financial statements, rent rolls (if applicable), and a property appraisal.
  • Outcome: A completed application that moves into the underwriting phase, initiating a detailed financial review.

4. Underwriting and Property Appraisal

  • Purpose: Finalize the loan, sign documents, and complete necessary legal steps.
  • What to Expect: Review final loan terms, sign the closing documents, and complete any remaining legal or insurance requirements.
  • Outcome: Funds are disbursed, allowing you to acquire, refinance, or begin developing the commercial property.

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Why work with Innovative Mortgage?

  • Customized Financing Solutions

    We offer tailored mortgage solutions that align with each client’s specific property type, business model, and financial needs, ensuring the best possible terms for long-term growth and success.

  • Fast and Efficient Approval Process

    Our streamlined application and approval process allows us to close loans quickly, helping clients capitalize on time-sensitive opportunities without delays.

  • Expert Local Market Knowledge

    With deep expertise in the Orlando market (or other specific areas), we bring a unique understanding of local trends, property values, and zoning regulations, adding value to every transaction.

  • Flexible Terms and Competitive Rates

    We provide flexible loan terms and competitive interest rates, allowing our clients to manage their cash flow more effectively and focus on business expansion and property improvement.

  • Dedicated Client Support

    Our clients work with a dedicated mortgage specialist from start to finish, ensuring personalized guidance, clear communication, and an unmatched level of service.

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Success Stories

See why our customers love working with us.

We are passionate about helping people and we treat everyone as a VIP

Bianca Contreras Repeat borrower Referral

We are grateful and happy with the service that Mr. Brahim provided us, we recommend his services and we appreciate his professionalism & dedication

Dylan Reinsel First time buyer/ Repeat Client

Brahim made our home finding, buying and financing super easy! His care for his clients is second to none! I recommend his service without reservation.

Hyrro Machado Veteran Borrower

Special thank you to Brahim El Hanchi. This was our first home purchase and it was truly a great learning experience. My family and I are truly grateful and happy.

Tommy B Repeat Client

... the complexities of both selling and buying a house. Without the help and knowledge that Brahim Elhanchi provided us, we would still be in our old home.

Luisa Rodriguez Repeat Client

Always on top of tasks and actions needed. Very diligent and always looking out for my well being in every steps of the transactions . I will choose him again

Mr.Harold Repeat Client

Brahim was a blessing, dedicated to what he does and his knowledge is second to none. Very informative and impressive. Very satisfied!

Mss. Fofo First Time Buyer/ Referral

My experience with Brahim was by far the most amazing process. He took all my needs and turned them into reality. The process was so smooth I’m still left in awe. I would highly recommend his services
Dalton Johnson First Time Buyer/ Referral

Brahim made the process so easy for us. He was always quick to answer any questions, extremely knowledgeable, honest, and got us the best deal possible. We highly recommend him
Kenia Turcios First Time Buyer

Simply the best, an excellent team with high moral values. Brahim, God bless you and multiply what you do to help other people. Blessings
James Starks First Time Home Buyer

Brahim assisted us buy a dream home he’s very patient easy-going laid-back. we can’t thank him enough I look forward to doing business with him again.

Ramon / Jherusa Happy Client

A very straightforward person!!!!!!!!!! If he can do it, he will tell you that he can do it and he will do it. The man really does not make any false promises, We appreciate him!
Monique Smith First Time Home Buyer

Brahim helped me to get my credit score up (30 points in 1 month). Also, they paid my closing cost! I would recommend him to my friends and family.

Paul Bower Designation

Brahim was patient, extremely attentive, and offered sound advice during the entire process. I’m so glad I listened to Brahim!!! I would highly recommend him

Commercial Real Estate Loan FAQs

These are some of the frequently asked questions real estate investors usually ask about Commercial Mortgage Loans.

Qualifying for a commercial mortgage usually involves meeting specific criteria related to credit score, business financials, property type, and down payment. Generally, lenders look at business cash flow, credit history, property value, and the intended use of the property.

The down payment for a commercial mortgage typically ranges from 15% to 35%, depending on factors such as loan type, property condition, and creditworthiness. We’ll work with you to determine an amount that aligns with your financial capabilities.

Commercial mortgage rates vary based on market conditions, property type, loan amount, and borrower credit. Rates are usually higher than residential loans but can be competitive. Contact us to get an accurate quote based on current rates and your qualifications.

Most commercial mortgages have terms ranging from 5 to 25 years. Shorter-term loans often have balloon payments or refinancing options, while longer terms allow for consistent monthly payments, which can help with cash flow planning.

Yes, we offer construction loans and renovation financing tailored for commercial properties. These loans provide the capital needed to cover building, renovating, or expanding a property, with flexible terms to fit your project’s timeline.

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About Us

We strive to deliver the highest levels of service to help you reach your goals. We thank you for your trust and support. From the first call to closing, our team is with you every step of the way!

Innovative Mortgage Services, Inc.

NMLS# 250769

MLO NMLS#1810783. 

Loan Options

FHA
VA Loans
USDA Loans
FHA VA Streamline
Reverse Mortgages
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Corporate Office:

17717 Hunting Bow Circle, Unit 101 Lutz, Fl. 33558

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