Commercial Real Estate Financing
Tailored Debt Solutions for Business Owners and Commercial Real Estate Investors
Commercial real estate financing requires an experienced perspective that evaluates property income, cash flow coverage, market dynamics, and borrower goals. Channel Islands Mortgage Services structures commercial real estate debt for property acquisitions, refinancing, expansion, and portfolio repositioning across California.
Property Types We Finance
- Multifamily Properties: Apartment complexes (5+ units), student housing, and residential investment portfolios.
- Commercial Office & Medical Buildings: Single-tenant or multi-tenant office suites, professional centers, and medical facilities.
- Retail Centers: Strip centers, free-standing retail, neighborhood shopping centers, and mixed-use developments.
- Industrial & Warehouse Space: Manufacturing, light industrial, flex space, and storage facilities.
- Owner-Occupied Business Real Estate: Properties utilized by business owners for their primary operating companies.
Commercial Loan Programs
- SBA 504 & SBA 7(a) Financing: Government-backed loans offering up to 90% loan-to-value (LTV) with long-term fixed rates for owner-occupied commercial property purchases and expansion.
- Conventional Commercial Mortgages: Competitive fixed-rate and adjustable-rate financing from regional banks, credit unions, and institutional lenders.
- Commercial Refinance & Equity Take-Out: Lower operating debt service costs or extract capital for property renovations and asset acquisition.
- Short-Term Commercial Bridge Loans: Interim debt for value-add acquisitions, tenant build-outs, or lease-up stabilization.
Commercial Advisory Services
Robert Clark works directly with investors, business principals, CPAs, and commercial brokers to analyze Debt Service Coverage Ratios (DSCR), lease structures, rent rolls, and exit strategies to secure the most favorable capital structure.
Discuss Your Commercial Scenario Today
Direct Phone: (805) 652-6932
Email: [email protected]
NMLS #440892 | Company NMLS #2621592