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PMF Partners Insights

Close Non-Financeable Loans Creatively

MV Mitch Vicknair 2 min read

Originally published in 2024. Specific interest rates, loan sizes, and program details have likely changed since. For current terms, please contact PMF Partners.

CREATIVE FINANCING SPECIALISTS use the following methods
to  make deals happen where others are unable to succeed.

  • Seller provides secondary mortgage financing
  • Bring in a money partner or a credit partner
  • Additional collateral provided by second lien(s) on other real estate
  • Have seller with better credit and property ownership history refinance
    for higher loan amount with buyer assuming loan and paying down payment.
  • Buyer purchases controlling partnership interest and buys out the seller’s remaining
    ownership interest over time. Purchase 51% interest with seller maintaining 49%
  • Wrap around Loan
  • Purchasing “subject to” existing mortgage
  • MASTER LEASE ‘Earn out” with part of master lease payments buying into ownership
  • Crowd fund or syndicate the deal
  • Negotiate with the lender for a discounted payoff
  • SPLIT LAND AND BUILDING – Buy the building while the seller maintains ownership of the land
    and provides a ground lease OR buy the land while the seller maintains ownership of the building.

I have used each of these techniques to finance a “ non – financeable deal”
either for real estate I purchased,  sold, or  financed.

Remember, that in our competitive market, the more value you bring to a deal,
the more your services are valued, the higher fees you’re able to charge.

Private Mortgage Financial Partners is always seeking to build long-term relationships with
Commercial Mortgage Brokers who approach every loan as a successful professional.

Ready to fund your deal?

Hard money loans nationwide, secured by commercial and investment real estate. Close in as fast as 48 hours.

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