100% Commercial Financing? Does It Really Work?

Mortgage and Lending with Federal Funding • Direct Lenders • Business Financing



The most commonly asked question I get every single day is "can you really help me"?  Yes is my typical reply.  You can actually get 100% financing ONLY if all the elements needed to get 100% LTV are in place.  Keep in mind, we are talking about Bancofino of New York originating the primary loan and Federal Funding funding the difference from "equity" provided it is there, otherwise look to bringing money to the table for the deficiency.  What are the factors you should look for?  Here is a short list. Note below:

1.   Property equity. (must be existing and not ARV or to be entitled)

2.   Cooperative seller allowing property to be encumbered for the amount of FedFunds needed.

3.   Seller must agree to a SDE in the event of equity deficiency. If you don't understand the conventions mentioned here, please visit our site for a clear definition of the term.

4.   Appraisal must match or exceed purchase price, otherwise prepare to possibly being additional funds to the table.

Combine the above elements and your chances of acquiring real estate at up to 100% LTV are good.  Keep in mind that you do have initial expenses to bear with both with the origination of the loan and funding of the equity.  These costs are nominal.  As always, the appraisal would have to be paid at time of ordering.  There you have it.  A short summary of what it takes to successfully purchase real estate with no to little money down. 

For additional information, visit our website at http://www.equifunds.us.  Click on the links below to learn more about our services. 



Richard David

Funding Administrator

Commercial Equity Lenders • Loan Originators • Busines Finance

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Comments (4)

Children's Network University, Inc.

Dear Richard:

I am seeking for your great help, I just get approved for 80% for an apartment complex property.  I am seeking for your support in down payment assistance.  Please do not hesitate to contact me at bsmyrna@yahoo.com.  Thank you, Maryse Louis

Dec 09, 2008 12:54 PM
Tim Bradley
Contour Investment Properties - Jackson Hole, WY
Commercial Real Estate Expert in Jackson Hole, WY

The hard part is finding a property you can purchase for 80% of appraised value and with a decent DCR to boot...

Dec 09, 2008 02:28 PM
Richard David
Federal Funding • Direct Lenders • Business Financing - Dallas, TX
Commercial Equity Lender, Loan Originator, EquiFund Trainer

Anything we can do, please let us know.  Thank you.

Jun 08, 2010 06:12 AM
Doug brown

I have a commercial deal closing attorney in deal; property 30,000.00 need bring 100,000 more to the table can you assist...

Jun 30, 2011 06:23 AM