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The following article was published in our article directory on September 23, 2015.
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Different Types of Commercial Property Loans

Article Category: Real Estate

Author Name: Michael McGovern

Most people consider commercial property mortgage as the only type of financing that they will need during the lifespan of a property in New York. This is the reason why banks and private lenders provide different types of commercial property loans that can bring a commercial property deal to fruition. These commercial loans can help create business partners among those who are in the real estate industry, as well as help owners avoid foreclosures. Knowing more about these loans can help you know more about your clients� financial situations.
Bridge Loan

A bridge loan provides the borrower the opportunity to acquire an instant cash flow which can be used to finance the immediate needs of a project. This type of loan is considered short-term or temporary since it commonly has a term of one year or so. This type of loan requires the borrower to have an excellent credit standing and a valid proof of income.

Real Estate Purchase Loan

This type of loan is considered similar to the adjustable-rate (ARM) and fixed rate mortgages wherein it follows a traditional type of financing. In a real estate purchase loan, the collateral would be the property that is being financed. The loan-to-value ratio is considered the primary factor that affects the loan�s rate.

Hard Money Loan

This type of commercial property loan is collateralized as the property that is being financed also serves as the collateral. Private lenders are usually the ones who offer this type of loan. It is also important to note that hard money loans do not need to meet the same standards similar to other types of commercial loans. Because of this reason, hard money loans carry a high risk of default which makes the interest higher compared to other commercial loans. A hard money loan is short-term and is usually offered when the borrower is in immediate need of funding, such as during a foreclosure.

Joint Venture Loan

This type of commercial loan may be appropriated when the parties involved are amenable in equally sharing the profits and losses of a property. This is one of the commercial property loans that can be advantageous if neither party is able to obtain separate financing. Private investment firms and individual investors usually offer this type of loan. However, most will likely suggest that acquiring the financing through an individual pair with one of their financial partners is another option. It is also important to note that, unlike a traditional real estate partnership, the relationship between the parties involved does not go beyond the property that is being financed.

Participating Mortgage

This is one of the types of commercial property loans wherein the lender is given the rights to acquire shares of the proceeds generated by the property. The lender would then collect the monthly mortgage payment from the borrower, along with the interest rates. The property�s sales proceeds will also be collected. This type of property loan is well-known among office and retail buildings wherein their tenants are mostly well-established and financially stable businesses that can sign long-term leases.

Keywords: commercial property mortgage, commercial property loans

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