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Updated about 4 years ago on . Most recent reply

Tj M.'s profile image
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Tj M.
  • Real Estate Investor
  • from Reno, Nevada
  • Member since Dec 29, 2016
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Tj M.'s profile image
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Tj M.
  • Real Estate Investor
  • from Reno, Nevada
  • Member since Dec 29, 2016
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Tj M.
  • Real Estate Investor
  • Reno, NV
67
Votes |
71
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Multi-Family and Apartment Investing

Typical commercial loans terms?

Tj M.
  • Real Estate Investor
  • Reno, NV
Posted

What are typical terms for a $2.5 to $5 million commercial loan for a apartment complex?

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Arn Cenedella's profile image
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Arn Cenedella
  • Real Estate Coach
  • from Greenville, SC
  • Member since Dec 10, 2008
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Arn Cenedella's profile image
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Arn Cenedella
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  • from Greenville, SC
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Arn Cenedella
  • Real Estate Coach
  • Greenville, SC
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Arn Cenedella
  • Real Estate Coach
  • Greenville, SC
Replied

@Tj M.

I second @Simcha Davidman, his comment is spot on.

If it is a stabilized asset 90%+ occupied with a 2 year history of producing a certain NOI, and you wish to hold long term, agency debt is the way to go.

If it is a distressed property or heavy lift value add, then a commercial loan may be your only option.

You also need to sync your loan choice with your business plan.

  • Arn Cenedella
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