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The Management Company.
The experience of the property manager is also a consideration to financing. If you have purchased a commercial property or are considering doing so and you are not experienced owning or managing the multifamily properties it is essential to hire professional property management. The larger properties having a property management company is not even a second thought. When considering smaller units you may believe they are an unnecessary expense, but professional property managers increase your ability to qualify for funding your commercial project if you do not have management experience.
The Owner.
Quite often on larger units the financing is based solely on the property. But for smaller multi family projects the lenders require a personal guarantee and the review, income, credit and assets just like a residential investment property. The typical down payment required is 20% to 30% for properties and the lender requires the borrower to have reserves for repairs, vacancies and other contingencies.
The Loan.
Multifamily commercial loans are generally structure with terms written with 5, 7, 10, 15, 20, 25, and 30 years terms with or without balloon payments. For this type of commercial loan expect to provide full documentation including:
1. Last 3 years property operating statement
2. Year to date property operating statement
3. Property rent roll
4. Last 3 years federal tax returns of borrower 5. Personal financial statement(s)
6. Digital photos of the subject property
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