Commercial Funding

 

Commercial – Residential/Owner Occupied Funding

Where Loans Get Done

We fund loans for commercial purposes from 500K to 500MM.  We specialize in mining, apartments, hotels, convenience stores, and any business that needs funding when banks say no.  In many cases we can get you long term bank rates. All credit challenges considered.  We also work with small and medium size businesses that need emergency funding from 25K-350K with unsecured lines of credit.

Commercial Funding works with foreign nationals in commercial or residential investments in the United States with very liberal terms.  Contact me personally for details.

I do not charge any upfront fees or receive any financial benefit from any lenders due diligence fees.  Many borrowers do not understand the reason for due diligence fees when charged.  First, the lenders want to make sure the borrowers have some vested interest in the loan process, aka, “skin in the game”.  Second, there are often real costs to the lender to get the loan to underwriting which can include site or borrower investigations.

Feel free to ask for our free fliers that describe our different loans which includes, mining, multifamily, franchises, SBA, medical, convenience stores, and franchise acquisition.

Investment Properties

Commercial Funding Unlimited does owner and non owner occupied residential loans to foreign nationals and US citizens. However, the requirements differ. Foreign nationals can get up to 55% of the purchase price and US citizens can get funding up to 70% of the purchase price but ONLY the western United States.

Feel free to email me personally, John Young at: jyoung@commercialFundingUnlimited.com or mail.jmy@gmail.com as they both go to the same mail box or just call me at 503-890-7511 anytime Monday through Friday 9AM to 4 PM Pacific Standard Time.

John Young

How to Use A Securities Loan to Fund Your Commercial Transaction

A Securities Loan (not a margin loan) allows investors to borrow against their securities portfolio to create liquidity while staying in the market and enjoying the benefits of dual appreciable assets at once. Margin loans have been around forever but they are expensive and risky and they are usually maxed out at 50% of the portfolio value. On top of that, they can be called at any time. Why not explore borrowing up to 80% of your portfolio without all the risk? (more…)

Help Your Clients Finance 90% Of Their Project

When you or your clients are looking to preserve capital while at the same time buying commercial real estate at a discount you should check out this example of how to finance 90-100% of the project costs. (more…)

Basis of the Commercial Loan-Calculating the Debt Service Coverage Ratio
One of the most important factors used to determine the fund-ability for a commercial mortgage request is the Debt Service Coverage Ratio, commonly referred to as the DCR or DSCR.

The DSCR is a ratio used to determine the amount of debt that can be supported by the revenues generated from the commercial property. Very simply it’s the net income generated by the commercial building divided by the new commercial loan payment.

How the DSC relates to Commercial Mortgage Lending (more…)

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