Commercial real estate is a property used for business purposes. Most often, commercial real estate is leased to tenants to conduct business, or the landlord is conduct business in collecting rental income. This category of real estate ranges from an apartment building to a shopping center or hotel.

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Commercial properties may refer to:

• retail buildings

• office buildings

• warehouses

• industrial buildings

• apartment buildings

• hotel and motel

• student housing

• one to four family investment property

• “mixed use” buildings, where the property may have a mix, such as retail, office and apartments.​

Investing in commercial real estate can be rewarding. Investors can make money on a monthly basis by collecting the rental payment but also through property appreciation when they sell.

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​Investors can invest directly in the property as investments and become landlords with active management. People best suited for direct investment in commercial real estate are those who either have a considerable amount of knowledge about the industry or who can employ firms who do. Commercial properties are a high-risk, high-reward real estate investment. 

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商业地产是指用于商业用途的房产。通常情况下，商业地产会出租给租户用于经营，或者业主通过收取租金来经营。这类房产的范围很广，从公寓楼到购物中心或酒店都属于商业地产。

商业地产可能包括：

• 零售建筑

• 办公楼

• 仓库

• 工业建筑

• 公寓楼

• 酒店和汽车旅馆

• 学生公寓

一至四户家庭投资型房产

“混合用途”建筑，即房产可能包含多种用途，例如零售、办公和公寓。

投资商业地产可以带来丰厚的回报。投资者可以通过收取租金获得每月收入，也可以在出售房产时获得房产增值收益。

投资者可以直接投资房产，成为积极管理的房东。最适合直接投资商业地产的人是那些对该行业拥有丰富知识的人，或者能够聘请专业公司进行管理的人。商业地产是一种高风险、高回报的房地产投资。

Detail Instruction

Essencap offers commercial real estate loan at a competitive rate/program. We can provide solution in a variety of situations.

To start the process, please follow the below instruction and provide the information.

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1) For investor greater than 20% ownership,​

• Please fill out the attached application (personal financial statement)

• 3 years of personal tax return

• If the borrower owns other business.

• Please provide 3 year tax returns on the business.

• Year to date financial on the business

• Debt schedule per attached, please includes all credit card, mortgage, car loan

• Please provide most recent statement to support the debt schedule.   

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2) 3-month bank statement

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3) Please provide investment summary

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4) Rental income per each unit, and lease term

• Annual expense (Tax, Insurance, Utility, Management Fee)

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5) Purchase Contract

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6) Copy of Leases

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7) Please disclose credit condition for any judgement, late payment and if you know you estimate credit score.​

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Any question please contact us at fax/phone 888-269-1033 or email wecare@essencap.com

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Essencap 提供具有竞争力的商业房地产贷款利率和方案。我们能够为各种情况提供解决方案。

要开始申请流程，请按照以下说明提供所需信息：

1) 对于持股比例超过 20% 的投资者：

• 请填写随附的申请表（个人财务报表）

• 提供过去三年的个人所得税申报表

• 如果借款人拥有其他企业：

• 请提供该企业过去三年的税务申报表

• 该企业截至目前的财务报表

• 请提供随附的债务清单，包括所有信用卡、抵押贷款和汽车贷款

• 请提供最新的账单以佐证债务清单。

2) 最近三个月的银行对账单

3) 请提供投资摘要

4) 每套房屋的租金收入和租赁期限

年度支出（税费、保险、水电费、管理费）

5) 购房合同

6) 租赁合同副本

7) 请披露任何判决、逾期付款等信用状况，以及您预估的信用评分。

如有任何疑问，请通过传真/电话 888-269-1033 或电子邮件 wecare@essencap.com 联系我们。