National Commercial Real Estate Financing

BRT Financial is the number one loan source for one stop Commercial Real Estate Financing. Custom financing solutions with unmatched personal service for multi-purpose commercial mortgage financing.

BRT has been successful in arranging funding of deals that have been turned down by other lending institutions, BRT turns dead deals into funded deals!

Office Building Financing: Modern office buildings containing a minimum of 30,000 square feet of net rentable area and adequate available parking in suitably zoned commercial locations. Strong preference for properties located within planned industrial parks or CBD'S in cities where the office market and office oriented employment characteristics are strong and occupancies are high.

Muti Family Apartment Financing: Lending nationally and the program is available in major markets, secondary cities and towns for both urban and suburban locations. Existing apartments are in good condition, although older properties will be considered. The loan may not exceed 80% of value or the amount that produces a minimum debt service coverage ratio of 120%.

Mixed Use Building Financing: Mixed-use property typically contains a combination of commercial (most often retail) space as well as residential units. Although mixed-use properties are appealing to property owners because of the commercial income that they generate, Lenders are often uneasy if too high a percentage of a property's total income is generated by the commercial rather than the residential component.

Retail Center Financing: Retail and community shopping centers. Anchored, unanchored, outlet centers and single tenant buildings will be considered. Facilities should have been completed and in operation for at least 12 months. Properties built or substantially renovated since 1975 are preferred. The loan-to-value ratio may not exceed 80%. The minimum debt service coverage ratio is 1.20%, but could be higher depending on project.

Hotel Property Financing: Hotel and motel properties including both franchised and independent facilities. For underwriting purposes the maximum occupancy will be the lesser of prior year actual or 75%. Properties with less than 60% occupancy are generally ineligible for conventional financing. Operating cash flow with primary reliance on trailing 12 months results.

Warehouse Financing: Strong preference for properties located within planned industrial parks in cities where industrial market is strong and occupancies are high. Preference for high-ceiling warehouse and distribution buildings rather than R&D or service center space. Buildings are required to possess all functional requirements of accessibility, parking, loading, utilities, and fire protection.

Self Storage Financing: Eligible properties include single and multi-tenant properties including warehouses used for storage, as well as self-storage facilities. Getting a storage loan for your property is possible provided it meets some of these basic conditions:

Assisted Living Financing: Commercial loans for assisted living centers were both the property and business serve as collateral for the commercial mortgage. Assisted living loans are available for owner operator centers with strong current and historical financials.