Permanent Financing For Commercial Real Estate

2022 Commercial Mortgage Terms for Permanent Financing

  • Minimum Loan: $1 million
  • Term: Up to 10 years
  • Leverage: Up to 75% LTV
  • Amortization: 20 to 30 years
  • Recourse: Nonrecourse options are available
  • Prepayment: Defeasance, step-down, or yield maintenance

Lenders offering permanent financing include:

  • Life companies
  • National and regional banks
  • Institutional lenders
  • Pensions funds
  • Private debt funds

Advantages

  • Lowest rates
  • Longest terms
  • Best leverage
  • Longest amortizations
  • Fixed rates

Disadvantages

  • Call protection (expensive prepayment penalties)
  • Limited ability to recapitalize (with sale or refinance)

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