66 West Flagler Street, Miami, FL

Info@ReaganCommercialCapital.com

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Real Estate Loans

Real Estate loans are a business tool designed specifically to finance real estate purchases, construction, and renovations. These loans can also be used to free up cash by replacing an old loan with a lower interest rate loan.

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What is a Real Estate Loan?

High-priced purchases like houses and commercial buildings are much easier to make with the help of a loan. It’s not often that a business can afford to purchase property outright. Even if a real estate purchase is in the budget, there are several advantages to financing. Repayment of a loan reflects positively on credit reports and there may be tax benefits, depending on the type of loan.

Real estate loans can...

range from short-term hard money financing to long-term commercial loans, depending on your needs. There are real estate loans that transition from short-term to long-term products. If you plan to buy, renovate, and resell a property, a short-term loan might be a good fit. If your plans include moving into the property, a long-term loan could be a better tool.

What is a Real Estate Loan?

High-priced purchases like houses and commercial buildings are much easier to make with the help of a loan. It’s not often that a business can afford to purchase property outright. Even if a real estate purchase is in the budget, there are several advantages to financing. Repayment of a loan reflects positively on credit reports and there may be tax benefits, depending on the type of loan.

Real estate loans can range from short-term hard money financing to long-term commercial loans, depending on your needs. There are real estate loans that transition from short-term to long-term products. If you plan to buy, renovate, and resell a property, a short-term loan might be a good fit. If your plans include moving into the property, a long-term loan could be a better tool.

Fix & Flip

We have a variety of unique financing solutions for real estate investors who specialize in fixing and flipping investment properties. We offer hard money loans that can be approved quickly with a one to three-year term as well as lines of credit for the real estate industry.

Permanent

Although they’re called permanent loans, they don’t last forever. These are long-term loans that carry a term of up to 25 years. Revenue-generating assets that you intend to hold for a long period are a good fit for permanent loans.

Refinance

A real estate loan doesn’t just cover investment property acquisitions. If you have a current loan in place, but want a better interest rate, you can leverage a new loan with more favorable terms. This frees up cash that you can reinvest elsewhere in your business.

Advantages of Real estate loans

01

Several types of loans exist to address long or short-term needs.

02

Loans can cover construction and renovation of real estate.

03

Most loans use the real estate being financed as collateral to secure the loan.

04

Short-term loans can often be replaced by long-term loans if needed.

FAQ

When is a real estate loan not a good fit?
These specialized loans are not suitable for purchases like equipment or working capital.
Where can I get a real estate loan?
We have a broad variety of real estate loans available. Depending on your needs, we can source loans for you through banks, credit unions, private lenders, and the Small Business Administration utilizing our extensive network.
Can I get a real estate loan if I have bad credit?
Real estate loans are available for borrowers at all levels of creditworthiness. Hard money loans rely on the value of your collateral, not your credit score.
Can I pay off my real estate loan early?
If early repayment is an option for you, we can harness our broad network to find a real estate financing solution with no early repayment penalties.
How do I apply for a real estate loan?
You’ll need to bring several documents to the lender, including personal and business tax returns for the past several years, income projections going forward, and résumés for the business owners.