Commercial Real Estate Loans
What Are Commercial Real Estate Loans?
Commercial Real Estate (CRE) Loansare designed to finance income-producing propertiesthat are not considered 1–4 unit residential assets. These loans are primarily underwritten based on property cash flow, asset quality, and sponsor experience, rather than personal income.
At Nadlan Financing, we arrange commercial loans for stabilized, transitional, and value-add assets, including programs tailored for foreign-national investors.
Who Can Qualify?
US Citizens
Permanent Residents
Non-Permanent Residents
Foreign Nationals
Individual or LLC ownership
Experienced & transitional investors
Eligible Property Types
| Residential | Commercial |
|---|---|
| Small Balance Multifamily (5–20 units) | Mixed-Use Properties |
| Mid-Rise & Large Multifamily | Retail (single-tenant & multi-tenant) |
| Build-to-Rent Portfolios | Office (select markets) |
| Industrial & Warehouse | |
| Hospitality (case-by-case) |
Lending Criteria – Fix & Flip Loans
| Criteria | US Investors | Foreign Investors |
|---|---|---|
| Max LTV | Up to 75% | Up to 65% |
| DSCR Requirement | ≥ 1.25 | ≥ 1.30 |
| Loan Size | $500K – $100M+ | $1M – $50M |
| Term Length | 5–10 years | 5–10 years |
| Amortization | 25–30 years | 25–30 years |
| Rate Type | Fixed or Floating | Fixed or Floating |
| Interest-Only | Available | Limited |
| Ownership | Individual / LLC | LLC |
| Prepayment Penalty | Yield Maint. / Step-Down | Yield Maint. / Step-Down |
| Closing Timeline | 30–60 days | 45–75 days |
Commercial Loan Program Types
DSCR / Cash-Flow Loans
Agency (Fannie / Freddie – qualified deals)
Bridge-to-Perm Commercial Loans
CMBS (select assets)
Private & Institutional CRE Loans
Required Documentation
US Borrowers
- Rent roll
- Trailing 12-month operating statement (T-12)
- Purchase contract or payoff statement
- Property insurance
- Borrower financial summary
Foreign Investors
- Passport
- US LLC + EIN
- US bank account
- Proof of liquidity
- Business plan & exit strategy
Why Choose Nadlan Financing for Commercial Loans?
Access to institutional & private CRE lenders
Multifamily & mixed-use specialization
Foreign-national friendly underwriting
Value-add & transitional asset expertise
End-to-end deal structuring support
Frequently Asked Questions (FAQs)
What can I use the money for?
Anything your business needs. You can use it for inventory, payroll, marketing, rent, or buying new equipment.
Can bridge loans be used for refinances?
Yes. Bridge loans are commonly used to refinance maturing or high-risk debt.
Do bridge loans require income verification?
Usually no. These loans are asset-based, focusing on the property and exit strategy.
Can foreign investors qualify?
Yes. We offer bridge loan programs for foreign nationals using US LLC structures.
What are typical exit strategies?
- Sale of the property
- Refinance into DSCR or permanent loan
- Portfolio refinance