Commercial Real Estate Loans
Commercial real estate refers to property used for business purposes — whether leased to tenants or operated by an owner to generate rental income. This asset class spans a wide range of property types, from apartment buildings to shopping centers and hotels.
Commercial real estate includes:
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Retail buildings
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Office buildings
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Warehouses and industrial facilities
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Apartment buildings
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Hotels and motels
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Student housing
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One-to-four family investment properties
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Mixed-use buildings (combining retail, office, and residential spaces)
Investing in commercial real estate can be highly rewarding. Investors benefit from consistent monthly rental income as well as long-term appreciation in property value upon sale. Whether you choose to invest directly and take an active management role, or partner with experienced firms, commercial real estate offers a compelling high-risk, high-reward opportunity for those with the right knowledge and resources.
How Essencap Can Help
Essencap offers competitive commercial real estate loan programs tailored to a variety of situations and investment needs. To get started, please gather and submit the following information.
1. For each investor with greater than 20% ownership:
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Completed application (personal financial statement)
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Three years of personal tax returns
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If the borrower owns a business:
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Three years of business tax returns
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Year-to-date business financials
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Debt schedule (including all credit cards, mortgages, and auto loans), with the most recent statements to support each item
2. Three months of bank statements
3. Investment summary
4. Rental income breakdown by unit, including lease terms and annual operating expenses (property taxes, insurance, utilities, and management fees)
5. Purchase contract
6. Copies of all leases
7. Disclosure of any credit issues, including judgments, late payments, or an estimated credit score
Have questions? We're here to help. 📞 888-269-1033 | 📠 Fax: 888-269-1033 | ✉️ wecare@essencap.com