Commercial Loans up to $100MM!!

Commercial Loans up to $100MM | Valor Lending Group

Are you interested in learning about our Commercial Loans up to $100MM?

Valor Lending Group funds commercial loans for nearly every type of commercial property throughout the Continental US!

We have an incredible array of lenders, pools of private money investors and thrifts that we can fund your deal through.

Whether you are seeking a purchase, cash out refi or ground up construction loan, we’ve got you covered!

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Projects Available

• Multi-Family (apartments)
• Office Buildings
• Medical Buildings
• Industrial Properties
• Strip Malls
• Mobile Home Parks
• Public Storage Facilities
• Gas Stations
• Restaurants
• Car Washes

Key Distinctions: Commercial vs. Residential Property Loans

Commercial loans are riskier and more complex than residential loans. Here are some of the key distinctions between residential and commercial property loans.

1) Underwriting – Evaluating Strength of Transaction

Commercial loans focus mostly on the current and future income-producing potential of a property (as opposed to focusing primarily on the income of the borrower on the residential side).

2) Down Payments & Loan-to-Value (LTV)

Commercial property lenders will generally approve a loan-to-value (“LTV”) that is less than what borrowers are accustomed to on the residential side, meaning higher down payments and lower leverages.

3) Commercial Loan Costs

Commercial loans will typically (although not always) come with higher rates, a higher down payment, and shorter terms (which will increase monthly payments). Interest rates and costs vary depending on the lender and LTV, Debt Service Coverage Ratio (DSCR), and After-Repair-Value (where applicable).

In addition, commercial loans often come with appraisal and environmental/toxic report costs, which can be significant.

4) Commercial Loan Terms & Prepayment Penalties

Commercial property loans have terms of generally 6-36 months for hard money commercial loans, and 5-20 years for permanent commercial loans. The best commercial mortgage hard money loans generally consist of interest-only payments, and permanent commercial loans often have an amortization schedule that is longer than the loan’s term. In both cases a balloon payment is due at the end of the loan’s term. Finding the best commercial mortgage loan in the hard money sector is not as hard as someone may think.

Since 2010, Dodd-Frank has prohibited prepayment penalties on owner-occupied loans in the residential 1-4 unit arena. But for commercial property loans, prepayment penalties are more common.

5) Identifying the Sponsor in a Commercial Loan

Commercial loans are often made to business entities, such as an LLC, corporation, partnership or trust, which is also called the “sponsor.” The sponsor is the entity or individual to whom the loan is made. If the sponsor is an entity, sometimes commercial property lenders will require an individual (or individuals) to guarantee the loan, called “guarantors.”

A personal guarantee means the guarantor is personally responsible to pay back the loan in the event of default, even if a business entity is the holder of the note. This is considered a recourse loan, which allows the lender to look to the personal assets to satisfy the loan in the event of default.

In a non-recourse loan, on the other hand, if the sponsor fails to make payments, the lender’s only remedy (recourse) is to take back the property and sell it.

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Recap of our Loan Products

1. Hard Money Loans (20% down / minimal documentation) Typically Fund in 7-10 days.
2. Stated Income Loans (Great for business owners and self employed ) No tax returns!
3. 100% financing is available (we can cross collateralize other properties if there is enough equity)
4. Valor VA Home Loan 100% financing up to $1.5MM
5. Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
6. Flipper & Rehab Loans (Flip a property with one of our many options)
7. 2nd Position Loans up to $5mm
8. Raw Land & Lot Loans
9. Ground up Construction for spec homes, custom homes and commercial ground up.
10. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
11. 10% down Jumbo’s up to $1.5mm
12. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
13. Acreage Properties
14. Commercial Loans up to $500mm
15. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
16. Foreign Nationals Loans (no social security or residency required)

We Also Offer:

1. Conventional Conforming Loans
2. High Balance Conforming
3. Jumbo Loan Financing | 10% down Jumbo to $1.5mm
4. FHA, USDA
5. Reverse mortgages up to $1 Million Value
6. Cash Out Refinancing

VALOR LENDING GROUP HAS THE COMMERCIAL LOANS UP TO $100MM THAT YOU HAVE BEEN SEARCHING FOR!

**Rates and terms subject to change without notice

We are never too busy for your referrals!

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