Structured Financing and Capital Leverage for Investment Properties
Wilshire Commercial Partners delivers structured financing for commercial acquisition, debt refinancing and development transactions primarily catered to property owners, investors, and developers.
Our consultative assessment of project feasibility and investing success allow us to develop and maintain long term client relationships.
Our ability to handle specialty transactions not only limited to commercial real estate financing, as well as business merger and acquisitions, venture capital or private equity on specific industry types, allow us to foster small business growth and work as funding partners with visionary entrepreneurs.
We adhere to responsible financing and sound investment planning. Programs are uniquely structured and designed for special situations where the borrower needs to have a negotiating leverage over time and capital.
We determine the needs of our individual clients and discuss different financing options to maximize return on investment. We allow our clients to leverage conventional and non-conventional programs to achieve investing goals and deliver the most reliable and efficient method of securing capital.
No Closing Costs Commercial Loan:
85% Loan to Value Cash-out Refinance
- Eligible Property Types: Office Building, Office Condo, Warehouse, Retail Stores, Industrial, Mixed Use
- Owner-user Buildings only
- Minimum Loan amount: $1,000,000
- Interest rate estimated at 7.75%
- 25 year fixed
- 25 year amortization
- Full documentation only
- 650+ mid credit score
- Debt service coverage 1.10 -1.25
- No bankrupty history or property
environmental issues
- No closing costs (appraisal, underwriting, legal, environmental)
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Stated Income No Documentation Program Commercial 90% Loan to Value
Real Estate Property Types: Mixed Use, Retail, Office Condo, Dry Cleaner, Convenience Store, Warehouse, Light Industrial, Storage Facility, Auto Repair
Loan Amount: up to $3,000,000
Stated Income
up to 90% Loan to Value
MultiFamily up to 85% Loan to Value
Owner Occupancy: only 25%, total of 15 tenants/less
Mid Credit requirement: 680 -700+
Business: must be in operation for 2 years
Verification: 12 months proof of rent or mortgage
(home based office not qualified)
Ideal for office condos or small businesses that are currently leasing and looking to buy. An easy alternative to tough SBA lending. Lower LTV available for lower credit scores.
Applications that don't qualify for this program are reviewed for other available programs with emphasis on debt service coverage, property value and location.
Higher LTV programs 95-97% Loan to Value are available for full documentation.
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Multi-Family, Apartment Lending, Commercial Use
Property management owners, landlord, individual and corporate investment owners are now able to take advantage of excellent Fixed Rates (3, 5, 10 or 15 year fixed) with an option of 25 or 30 year amortization for better annual return on Apartment, MultiFamily, Office Building, Retail, Mixed Use, Warehouse, Light Industrial, Self Storage and any other conventional commercial property types.
Programs are available for owner occupied or non-owner occupied investment commercial properties, for Acquisition or Refinance transactions. Loan to value ranges from 75-80% for conventional programs and can go up to 90% in certain cases. Mid credit qualification must be at 660 to 680+, higher credit score offers better rate. Lower loan to value is available for lower credit scores. Required debt service coverage ratio must be within 1.20x to 1.25x.
Private financing is readily available for properties with cash flow issues, credit limitations, bridge financing, and unusual property types.
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