Commercial
Conduit Loans
Unlock the potential of your commercial real estate ventures with CMRE's Conduit Loans. These loans provide access to substantial capital with competitive rates, starting at 8.5%, and flexible terms tailored to your project's needs. Whether you're acquiring, refinancing, or developing commercial properties, Conduit Loans offer a streamlined path to success.
Program Benefits
Competitive interest rates, starting at 8.5%, designed to optimize your investment's profitability.
Flexible loan terms structured to align with your project's specific timelines and financial goals.
Financing available for a wide range of commercial property types, expanding your investment opportunities.
Potential for higher leverage when combined with Mezzanine Financing, amplifying your investment capacity.
Access to non-recourse options, minimizing personal liability and enhancing financial security.
Streamlined application and approval process for efficient access to capital.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
N/A (Commercial Loans)
Loan Amount Range
Up to $50 Million+
Amortization Options
Eligible Properties
- Apartment/Multifamily
- Hotel
- Industrial
- Manufactured Housing Communities
- Mobile Home Parks
- Office Building
- Retail (Anchored & Unanchored)
Program Requirements
Income Documentation
- •Consistent and verifiable income stream from the subject property or other commercial ventures.
- •Detailed financial statements demonstrating the property's revenue generation and operational efficiency.
- •Pro-forma income projections illustrating the property's future earning potential.
- •Satisfactory debt service coverage ratio (DSCR) to ensure loan repayment capacity.
Asset Verification
- •Demonstrated equity stake in the property or other liquid assets to serve as collateral.
- •Comprehensive appraisal report confirming the property's current market value.
- •Clear title and ownership documentation for the subject property.
- •Satisfactory environmental assessment (if required) to mitigate potential risks.
Insurance & Title
- •Adequate property insurance coverage to protect against potential damages and losses.
- •Liability insurance to cover potential legal claims and liabilities.
- •Business interruption insurance to mitigate income loss during unforeseen events.
- •Flood insurance (if required) to protect against flood-related damages.
Property Requirements
- •Minimum FICO score of 640 to demonstrate creditworthiness.
- •Satisfactory credit history with no significant delinquencies or defaults.
- •Detailed credit report from a reputable credit bureau.
- •Verification of all outstanding debts and liabilities.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
A wide range of commercial properties are eligible, including apartments, hotels, industrial buildings, manufactured housing communities, mobile home parks, office buildings, and retail spaces.
Conduit loans typically offer fixed-rate terms ranging from 5 to 10 years or more. The specific terms will depend on the loan amount, property type, and borrower qualifications.
Some Conduit Loans offer non-recourse options, meaning that the borrower is not personally liable for the debt. However, certain exceptions may apply, such as fraud or misrepresentation.
The maximum LTV typically ranges up to 75%, depending on the property type and borrower qualifications.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
