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Capital Line Commercial Mortgage Multi-Family and Apartment Complex LenderCapital Line works with select banks and institutional investors to serve communities across the country by originating apartment / multifamily loans nationwide. Capital Line provides a diverse innovative apartment lending platform capable of providing Apartment Complex Financing from $500,000 to $5 million dollars; a lending platform sufficiently advanced to provide financing for apartment loans of $5 million to $10 million, and amounts of $25 million to $50+ million. Capital Line has developed a wide array of excellent lenders and banking institutions of financial strength and a willingness to lend. Capital Line is blessed to be backed by a staff of seasoned, experienced professionals. These factors enable Capital Line to provide a low cost, one-stop solution for apartment loans and commercial property loans.
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Capital Line Commerical Financing Contact Form
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| Property Type(s) : | |
| Loan Minimum: | $1,000,000 |
| Loan-to-Value: | 75% (80% Loan to Cost) |
| DSCR: | 1.0-1:25 |
| Recourse: | Dependent upon the terms of loan |
| Fixed Rate Period: | Floating, 6 month, or 1-3 years |
| Term: | 1-3 years |
| Amortization: | 30 years |
| Pre-Payment Penalty: | Flexible Terms |
| Interest Only: | Available |
| Special Programs: | Rehabilitation, Repositioning, Workouts |
Conduit Financing
A conduit is a financial intermediary that sponsors the conduit between the lender(s) originating loans and the
ultimate investor. The conduit makes or purchases loans form third party correspondents under standardized terms,
underwriting and documents and then, when sufficient volume has been obtained, pools the loans for sale to
investors in the CBMS (Commercial Mortgage Backed Securities) markets
| Property Type(s) : | |
| Loan Minimum: | $1,000,000 |
| Loan-to-Value: | 80% (85% with Mezzanine Note) |
| DSCR: | 1:20-1:25 |
| Recourse: | None |
| Fixed Rate Period: | 5, 7, or 10 Years |
| Term: | 5, 7, or 10 years |
| Amortization: | 30 Years |
| Pre-Payment Penalty: | Defeasance or Yield Maintenance |
| Interest Only: | Available |
| Special Programs: | N/A |
Conventional Financing
A Conventional mortgage loan is any loan other than a VA or an FHA loan. It is a Non-Government Loan. This loan requires standard financing on most traditional loan requests.
| Property Type(s) : | |
| Loan Minimum: | $1,000,000 |
| Loan-to-Value: | 75% |
| DSCR: | 1:20 |
| Recourse: | ( Full) (Partial at lower LTVs) |
| Fixed Rate Period: | Floating, 6 month, 3, 5, 7, 10, 20, 30) |
| Term: | 5-30 Years |
| Amortization: | 30-40 Years |
| Pre-Payment Penalty: | Declining Balance |
| Interest Only: | Available depending upon program |
| Special Programs: | N/A |
Fannie Mae (FNMA)
Fannie Mae is a congressionally chartered corporation which buys mortgages on the secondary market from Banks, Savings & Loan, Etc. FNMA then pools the mortgages and sells the mortgages as mortgage-backed securities to investors on the open market. Monthly principal and interest payments are guaranteed by FNMA but not by the U.S. Government Long term government sponsored loans for various types of rental housing.
| Property Type(s) : | |
| Loan Minimum: | $1,000,000 |
| Loan-to-Value: | 75% |
| DSCR: | 1:25% |
| Recourse: | None |
| Fixed Rate Period: | Floating, 5, 7, 10, 15, 20 25, 30 years |
| Term: | 5-30 Years |
| Amortization: | 30 Years |
| Pre-Payment Penalty: | Defeasance of Yield Maintenance |
| Interest Only: | Available |
| Special Programs: | Yes. Available |
Definitions
| Bridge Short-Term financing typically utilized for the rehabilitation or repositioning of properties. |
Conduit Non-recourse financing for higher grade collateral with a strong operating history. |
| Construction and Rehabilitation For horizontal development, vertical construction, and rehabilitation of multi-family properties. |
Conventional Standard traditional loan requests. |
| Fannie Mae Long-term government sponsored loans for various types of rental housing. |
Freddie Mac Long-term government sponsored loans for various types of mult-family and heath care properties. |
| Hard Money High-cost short term financing for loan request not typically service By Institutional Lenders. |
HUD Long-term government insured loans for various types of multi-family and health care properties. |
| Mezzanine Secondary loan typically secured by stock in the borrowing entity, not the real estate. |
SBA |
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Capital Line Funding |
(858)
452-2845 | License #00808579
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Capital Line Funding Group provides Commercial Finance solutions in Nationwide () Including:()
Commercial Loan Experts in ()
