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Commercial Loan Vs Residential Loan

Commercial real estate loans from Wells Fargo help small business owners and commercial real estate investors get up to $750,000. Learn about our real estate financing options today.. Why an equity loan? Use the equity in your commercial real estate to finance business expansion, equipment upgrades, and property improvements.

Commercial loans have historically been made foremost to the property, whereas residential loans are made primarily to the borrower. For a commercial loan, the net operating income of the property is foremost in the commercial lender’s mind, then the condition and location of the property.

or for the purchase of residential real estate upon which a dwelling is to be constructed; Loan on commercial real property if the borrower is an individual or the lender is a noninstitutional.

. strong organic loan growth within the commercial and industrial loan and commercial real estate loan categories. Additionally, we sold approximately $223 million of residential mortgage loans.

Loan to value is much more valued in commercial real estate lending than residential. As mentioned earlier, we prefer our borrowers are not over-leveraged and they have significant equity in the deal. Typically, we will want a minimum of 70% loan to value (LTV) on a deal so we have 30% equity in case we need to foreclose and re-sell the property.

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Obtaining a commercial loan is a similar venture to that of acquiring a private loan, with the primary difference being that the mortgage in question goes towards the cost of a licensed commercial property rather than a residential home or living space.

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From time to time, people who are not experienced commercial realty investors call us wanting to get a commercial loan (multifamily or other type), and yet they do not qualify. However, they could qualify for a residential property loan. How do you know if you are ready to move from residential realty investment to commercial realty investment?

Commercial loans are primarily sized and underwritten based on an asset’s projected net operating income (NOI). Residential loans are underwritten based on the creditworthiness and income history of the individual purchasing the property. So with commercial loans, eligibility has a lot to do with property performance.

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