Commercial Real Estate Loans
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.
Real Estate Loans
Who Can Qualify?
US Citizens
Permanent Residents
Non-Permanent Residents
Foreign Nationals
Individual or LLC ownership
Experienced & transitional investors
Real Estate Loans
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 – Commercial Loans
Typical Lender Requirements
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
|
Real Estate Loans
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
Real Estate Loans
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
Information Hub
Frequently Asked Questions
Most lenders require 1.25x or higher, depending on asset type and risk profile.
Yes. Commercial loans are commonly structured through US LLCsfor foreign investors.
Both options are available, including fixed-rate and floating-rate structures.
It depends. Many lenders require partial or full recourse, while some offer non-recourseoptions.
Typically 30–75 days, depending on asset complexity and borrower structure.