Non-owner occupied is a classification used in mortgage origination, risk-based pricing, and housing statistics for one to four-unit investment properties. The owner does not occupy the property. The term non-owner occupied is not typically used for multi-family rental properties, such as apartment buildings.
Non-owner occupied is a classification used in mortgage origination, risk-based pricing, and housing statistics for one to four-unit investment properties. The owner does not occupy the property. The term non-owner occupied is not typically used for multi-family rental properties, such as apartment buildings.
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JC Smith Unlimited
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Commercial Real Estate
JC Smith Unlimited & Associates help cut the Banking Regulations RED TAPE by working with lenders who are exempt from regulatory banking making a smoother transaction.
When it comes to commercial real estate financing, you have to think about what is best for your business. Whether you are looking for an investment property or one that is owner-occupied, let us show you how we can help.
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Commercial properties are often thought of as...
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office buildings
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retail buildings and/or strip malls
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warehouses
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apartment buildings
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industrial buildings
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“mixed use” buildings, these are properties where the property may have a mix, such as retail, office and apartments.
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Conventional – For owner-occupied and stabilized investments, our conventional loans can reach beyond $100,000,000. With low rates and high LTVs, you can purchase mobile home parks, industrial buildings, hotels, office buildings, multifamily units and more. Our conventional loan program offers fixed-rate, 10 to 30-year loans with rates as low as 3.75% to qualified applicants, and amounts can range from $200,000 to $100 million.
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Construction – Your construction loan amount will depend on the size of your project. In some situations, we can roll the loan over to a more permanent financing solution when the construction is complete.
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Bridge and Hard Money – We have numerous partnerships with the firms that will offer you the most capital to bridge the gap between transactions in your time of need.
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FHA and HUD – These programs are long-term with fixed rates and full amortization. They can be used to acquire, construct, rehabilitate or refinance a structure for your business. This could include a hospital, multifamily rental unit, special care facility and more.
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Equity and Mezzanine – Your unique situation is what helps us tailor fit a solution with mezzanine financing. Various capital sources come together to help fund these transactions. When traditional commercial real estate loan instruments don’t have the reach to meet your project’s needs, finding equity and mezzanine backers allows you to get all the funding necessary for your next real estate project.
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Commercial Mortgage-Backed Security (CMBS) – There are not many financial institutions that offer this type of financing, but our relationships tie us to some of the best that still do. To be used for office space, retail shops, shopping centers and more, you’ll experience fixed terms and the ability to cash out when you need to.
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SBA 7a and 504 – With competitive terms and rates, these programs can be used for flagged or non-flagged hotels, as well as owner-occupied properties. Qualified borrowers looking to purchase facilities they will occupy at least 51% of can access the Small Business Administrations 7a and 504 programs through us to obtain loans with up to 25-year repayment terms and interest rates as low as 4.5%.
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Pick up the phone, Call JC Smith Unlimited and let's get you options so that you can make an educated decision about what your investment needs.
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704-275-8778