Residential and Commercial Real Estate Loans
A financing vehicle capable of delivering 100% of the project cost
Residential And Commercial Real Estate Loans For Investors
Expanding or purchasing a property is always a significant commitment. Even if you’re considered a seasoned investor, this doesn’t always mean you’ll qualify for a traditional bank loan. At JSV Capital, we’re here to ensure that every borrower has access to commercial or residential real estate funding options. Whether you’re looking to grow, buy or refinance a multi-family, office, industrial, retail or mixed-use property, the specialists at JSV Capital will work with investors to create a strategy that best fits budgets and timelines.
What Is a Residential or Commercial Real Estate Loan?
A commercial real estate loan is generally used to purchase or renovate commercial property. That refers to any income-producing real estate used for business purposes. Residential real estate lending refers to loans meant for purchasing or refinancing properties designed to house one or multiple families.
Residential or commercial real estate loans are the best way for businesses or investors to get a large loan without having to worry about losing their collateral on the property. These types of loans are available to any owner or investor that wants to purchase, develop or construct a new property. In addition, they’re also an option for those who want to improve or refinance an existing property.
What Are The Requirements For Commercial or Residential Real Estate Lending?
At JSV Capital, in order to qualify for a commercial or residential real estate loan, you will need to provide a valid form of identification, a business debt schedule and two years of tax forms. During the online application process, JSV Capital also asks that you submit your past three months of bank statements. As a general rule, lending institutions will take a look at your business’s finances, your personal finances and the characteristics of the property when considering you for a loan. In some cases JSV Capital can offer “No Doc Loans” with LTV (Loan to Value) at 75%.
Who Should Apply For A Commercial Real Estate Loan?
Commercial real estate loans are an excellent way for owners or investors to build, expand or refinance their businesses. Examples of those who might benefit from a commercial real estate loan include large and small businesses, mid-sized companies, distributors or large corporations. Investors and owners can consult with JSV Capital about getting a commercial or residential real estate loan if they are:
- Constructing or purchasing a new building
- Buying land
- Supplying a location with heavy equipment and/or machinery
Our Business Funding Advantage
What Do I Need to Qualify for a Loan?
How to Apply
What Are The Interest Rates For A Commercial Real Estate Loan?
The interest rates for a commercial real estate loan will ultimately depend on the chosen lending institution. At JSV, we take several additional factors into account that can all affect the loan’s interest rate. These include the type of loan you’re applying for, your creditworthiness and more. So if you’re looking to secure a mortgage in commercial real estate or you want to refinance, just know the rates are very different than a traditional residential mortgage. This should be taken into consideration before applying.
Where We Do Business
Looking for financial experts to help you navigate your local business lending scene? JSV Capital is proud to provide our services throughout the diverse areas of New Jersey, New York, Miami, Los Angeles, and Chicago. Wherever you’re located, JSV will be there to serve you and your community.
How Much Funding Can I Get?
The amount of money you can receive through this type of loan will depend on certain factors. Typically, funding will vary depending on whether you need to cover expenses for an existing property or if you’re putting it towards a new property. That being said, this is why commercial and residential real estate loans are suitable for businesses big and small. To learn more, speak with our specialists at JSV Capital about your financial needs.
Frequently Asked Questions
Requirements for a commercial real estate loan vary depending on the lender and type of loan your business is looking to apply for. As a general rule, lenders will take into consideration your business financial statements, your company’s debt service coverage ratio, property characteristics such as property use and value, percentage of expected/current occupancy, among other requirements.
Any company whether a small business, mid-sized company, distributors, or large corporations that has the intention of either purchasing new commercial property, renovate current commercial property, or refinance a current commercial mortgage. Remember, this is for property for commercial use only.
The commercial real estate loan rates truly depend on the lender the business is looking to work with in addition to the type of loan that you are looking to apply for in order to secure a mortgage for the commercial real estate, or refinance. As mentioned, the rates are very different from a traditional residential mortgage loan so please take this into consideration before applying.
Inquire about our Business Loan programs.
We are one of the most trusted sources for merchant cash advances. Unlike most lending companies, JSV Capital provides access to quick and affordable small business funding options for all types of businesses.
Like you, JSV Capital is a small business, and we take pride in helping our neighbors secure the financing they need to grow and achieve success. Contact a reputable loan consultant at JSV Capital about how we can help you and your business get funding today.
Apply for Real Estate Financing
No cost to apply. Applying will not impact your credit score.