​At Hamilton Sterling Capital, we recognize that navigating the landscape of commercial property lending is pivotal for businesses aiming to acquire, develop, or refinance commercial real estate. Our suite of financing solutions is designed to cater to a diverse array of property types and investment strategies, ensuring that each client receives a tailored approach to meet their unique objectives.

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When exploring commercial property financing, several critical factors should be evaluated:

• Loan-to-Value (LTV) Ratio: Represents the loan amount as a percentage of the property's appraised value. Lower LTV ratios typically result in more favorable loan terms.​

• Debt Service Coverage Ratio (DSCR): Measures the property's net operating income relative to its debt obligations. A higher DSCR indicates a greater ability to cover debt payments, enhancing loan eligibility.​

• Interest Rates and Terms: Interest rates may be fixed or variable, influencing the predictability of payments. Loan terms affect the duration over which the loan is amortized and can impact monthly payment amounts.​

• Prepayment Penalties: Some loans include penalties for early repayment, which can affect the overall cost of financing if you choose to pay off the loan ahead of schedule.​

• Collateral Requirements: Lenders typically secure the loan with the property itself, but additional collateral or personal guarantees may be required depending on the loan structure and borrower profile.

 

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For personalized consultation and to explore the financing options best suited to your needs, please contact our team at Hamilton Sterling Capital.

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