Commercial Real Estate Loans for Foreign Nationals and Self-Employed Investors

Are you looking to buy commercial real estate but don't have the traditional documentation required for financing? If so, you're not alone. There are many borrowers who fall into one of the following categories:

• Foreign nationals

• Investment property owners

• Self-employed borrowers

• Borrowers who need a quick close

• Credit challenged borrowers

If you're in one of these categories, don't worry. There are still options available to you. Private capital bridge loans can provide the financing you need with little to no documentation.

Foreign Nationals

If you're a foreign national looking to invest in commercial real estate in the United States, you may be wondering how you can qualify for financing. The good news is that there are private capital bridge loans available that don't require a lot of documentation.

The only documentation typically required for a private capital bridge loan for a foreign national is a valid form of identification, such as a driver's license or passport, and bank statements showing that you have the funds for the down payment. In some cases, you may also need to provide a letter from your employer or a letter of reference from a reputable source. Loan-to-Values max out at 70%.

Investment Property Owners

If you're an investment property owner who is looking to finance the purchase of another property, you may be able to qualify for a private capital bridge loan. These loans are designed for borrowers who have a strong track record of success in the investment property market.

To qualify for a private capital bridge loan, you'll need to provide documentation of your past investment property successes. You'll also need to provide bank statements and a down payment of at least 30% of the purchase price.

Self-Employed Borrowers

If you're a self-employed borrower, you may find it difficult to qualify for a traditional commercial real estate loan. This is because lenders typically require W2 income documentation, which self-employed borrowers don't have.

However, there are private capital bridge loans available that don't require W2 income documentation. These loans are designed for self-employed borrowers who have a strong track record of business success and a good amount of cash.

To qualify for a private capital bridge loan, you'll need to provide documentation of your business income, profit and loss statements, and bank statements. Loan-to-Values max out at 70%.

Quick Closes

If you're in a hurry to close on a commercial real estate deal, you may be able to qualify for a private capital bridge loan. These loans can typically be closed in as little as 1-3 weeks, which is much faster than traditional commercial real estate loans.

To qualify for a private capital bridge loan, you'll need to provide documentation of your financial ability to repay the loan. You'll also need to provide a down payment of at least 30% of the purchase price.

Credit Challenged Borrowers

If you have a less-than-perfect credit score, you may still be able to qualify for a private capital bridge loan. These loans are designed for borrowers with credit scores as low as 580.

To qualify for a private capital bridge loan, you'll need to provide documentation of your financial ability to repay the loan such as bank statements and a letter from your employer or accountant.

General Terms of Private Capital Bridge Loans

Private capital bridge loans typically have maturity terms of 1-3 years with 1-2 year extensions. Payments may be interest only or amortized over 10, 15, 20, or 25 years depending on the asset. Interest rates range from 12-20%. Loan-to-Values range from 50-70%. These programs are available nationwide for retail, office, medical, industrial, self storage, apartment, hotel, and special use commercial real estate properties.

PC Capital

PC Capital is a private capital firm that provides bridge loans to commercial real estate investors nationwide. We have access to over 300 capital partners, so we can find the right loan for your needs.

To learn more about our loan programs, please visit our Commercial Financing Solutions page.