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Commercial Real Estate Lending

Commercial Real Estate Lending done right!

 

Commercial Real Estate (CRE) is an appealing investment class because of its consistent returns, passive income and its growth potential. This sector of real estate investing is becoming more and more popular as an alternative investment.

Altura Credit Union provides financing for the purchase or refinance of Multi-Family and Commercial Real Estate properties located in Southern California.

At Altura Credit Union, we aim to build long-term relationships with experienced real estate investors that own and operate stabilized income-producing properties. Our Commercial Real Estate Lending team has an extensive industry knowledge that enables us to create custom solutions to meet our Member’s financing needs.

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Our Commercial Real Estate Loan Officer can assist you with any questions you have. We are here to help create the best experience that is personalized to all your needs!

Details

Financing Features include:
  • Loan terms of 5, 7 and 10 years with 30-year amortizations
  • LTV’s up to 70%
  • Competitive interest rates and fees
  • 60-day rate locks
  • Local underwriting and loan servicing
  • All legal entities acceptable: Corporations, LLC’s, and Trusts

Loans for Multi-Family (5+ Units) and Commercial Real Estate properties are available up to $7,500,000* or 70% LTV (*higher amounts acceptable on exception basis).

Property Types financed:
  • Apartments (5-units and higher)
  • Retail properties (multi-tenant, single-tenant and NNN)
  • Office properties
  • Industrial properties
  • Warehouse & Light-Industrial properties
Investing in Commercial Real Estate

Investing in Commercial Real Estate can seem daunting, but with Altura Credit Union as your financial partner, we can help guide you through the process with ease. As you get started, below are some items to consider when investing in Commercial Real Estate:

  • Not all property types are the same (supply & demand, yields and profitability of each vary)
  • Know your investing market area and its supply and demand (every market area is different)
  • Understand Market Cycles (the health of the economy correlates to CRE profitability)
  • Do through Due Diligence (understand, analyze and inspect before you buy)
  • Have a Contingency Plan and Capital Reserve Fund (set aside funds for unexpected expenses)
  • Be prepared for setbacks or extended timelines (be realistic)
Financing Features include:
  • Loan terms of 5, 7 and 10 years with 30-year amortizations
  • LTV’s up to 70%
  • Competitive interest rates and fees
  • 60-day rate locks
  • Local underwriting and loan servicing
  • All legal entities acceptable: Corporations, LLC’s, and Trusts

Loans for Multi-Family (5+ Units) and Commercial Real Estate properties are available up to $7,500,000* or 70% LTV (*higher amounts acceptable on exception basis).

Property Types financed:
  • Apartments (5-units and higher)
  • Retail properties (multi-tenant, single-tenant and NNN)
  • Office properties
  • Industrial properties
  • Warehouse & Light-Industrial properties
Investing in Commercial Real Estate

Investing in Commercial Real Estate can seem daunting, but with Altura Credit Union as your financial partner, we can help guide you through the process with ease. As you get started, below are some items to consider when investing in Commercial Real Estate:

  • Not all property types are the same (supply & demand, yields and profitability of each vary)
  • Know your investing market area and its supply and demand (every market area is different)
  • Understand Market Cycles (the health of the economy correlates to CRE profitability)
  • Do through Due Diligence (understand, analyze and inspect before you buy)
  • Have a Contingency Plan and Capital Reserve Fund (set aside funds for unexpected expenses)
  • Be prepared for setbacks or extended timelines (be realistic)
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