Real Estate Finance

COX Capital Group have real estate finance experts who aid the clients to complete their projects on time .We are a team of professionals who has the right knowledge in investment and development transactions for undeveloped land, residential rental property, commercial property and real estate investment trusts (REIT). Our guidance is not only in the initial stages, but an exclusive support. We take the clients through analysis of the investment, evaluation of the financing options, all aspects of the underwriting process and lending laws. What makes us unique is the way we analyse and create proposals based on an in depth research on property type, location, purchase price and occupancy rate. Cox Capital Group’s real estate finance offers loans under: Bridge, CMBC, SBA, USDA, FANNIE MAE, FREDDIE MAC and FHA programs.

BRIDGE

COX Capital Group Offers ‘BRIDGE’ to all who are in search for a temporary financing option. It is a hassle free program to help you grab the right opportunity without thinking twice about the financial constraints.

$500,000 Minimum
Competitive Pricing
Fixed and Variable Rate Options
1 – 3 Year Term with Possible Extension Options
Interest Only
Typically, No Pre-Payment Penalties
80% LTV/LTC Maximum
Nationwide
10 – 30 Days Closing Time Frame
Non-recourse available

CMBS

Our commercial mortgage backed security (CMBS) loans helps market participants who are in search for the best commercial real estate loan. The process is digitized and paperless as we understand CMBS applicants deal with lump sum amount.

$500,000 Minimum
Competitive Market-Based Spreads over Swaps
5 or 10 Year Fixed Rate Term
25 or 30 Year Amortization, with Interest Only available on a loan-by-loan basis
Non-recourse except for standard carve-out provisions
Assumable
8% Debt Yield minimum (10% for Hospitality)
75% LTV/LTC Maximum (70% for Hospitality)
Multi-Family, Retail, Office, Industrial, Self-Storage, Hospitality
Nationwide
35 Days Closing Time Frame
Reserves and Cash Management are determined on a loan-by-loan basis.

SBA

Our flexible term and low interest rate SBA program is one of the best ways to finance your enterprise. Your small business can now see great success with the right SBA opportunity.

$500,000 Minimum
Nationwide
Competitive Market Pricing
10 – 25 Year Term
10 – 25 Year Amortization
Fixed and floating rates options available
90% LTC / LTV Maximum
1.10 DSC Minimum
Refinance, Acquisition, Expansion or Construction
Retail, Industrial, Office, Restaurants, Hotels, Motels, Gas Stations, Car Washes, Self-Storage, Marinas, Health Clubs, Funeral Homes, Movie Theaters, Grocery Stores, Truck Stops, Auto Dealerships, Lube & Oil, Auto Repair & More
45 Days Closing Time Frame
Business Must Occupy At Least 51% of the Subject Property (60% for New Construction)

USDA

USDA loans are zero-down-payment mortgages for rural and suburban homebuyers. Getting USDA is now easier than ever before with COX Capital Group.

$500,000 Minimum
Nationwide (USDA Eligible Areas)
Competitive Market Pricing
20-30 Year Terms Self-Amortizing
Fixed and floating rates options available
80% LTV Maximum from $1,000,000 – $5,000,000
70% LTV Maximum from $5,000,000 – $10,000,000
60% LTV Maximum from $10,000,000+
Refinance, Acquisition, Expansion or Construction
Retail, Industrial, Office, Restaurants, Hotels, Motels, Gas Stations, Car Washes, Self-Storage, Marinas, Health Clubs, Funeral Homes, Movie Theatres, Grocery Stores, Truck Stops, Auto Dealerships, Lube & Oil, Auto Repair & More
60 Days Closing Time Frame

Fannie MAE

These conventional loans are guaranteed by Fanny Mae, a United States government-sponsored enterprise (GSE). If you have a good credit score, it is absolutely the best deal. The best part is if you give 20% or more, you do not require a mortgage loan. We can assist you to get a Fannie Mae loan for your dream project.

$500,000 Minimum
Nationwide (USDA Eligible Areas)
Competitive Market Pricing
20-30 Year Terms Self-Amortizing
Fixed and floating rates options available
80% LTV Maximum from $1,000,000 – $5,000,000
70% LTV Maximum from $5,000,000 – $10,000,000
60% LTV Maximum from $10,000,000+
Refinance, Acquisition, Expansion or Construction
Retail, Industrial, Office, Restaurants, Hotels, Motels, Gas Stations, Car Washes, Self-Storage, Marinas, Health Clubs, Funeral Homes, Movie Theaters, Grocery Stores, Truck Stops, Auto Dealerships, Lube & Oil, Auto Repair & More
60 Days Closing Time Frame

Freddie MAC

Freddie Mac, a public government-sponsored enterprise, headquartered in Virginia purchases home loans made by private firms and make the loans available to creditworthy borrowers. COX Capital group helps the applicants in getting a Freddie Mac loan based on their eligibility.

$500,000 Minimum
Competitive Market Pricing
5 – 30 Year Term
Up to 30 Year Amortization
Acquisition or Refinance
80% LTV/LTC Maximum
Non-recourse except for standard carve-out provisions
Nationwide
Apartments, Independent Living, Assisted Living, Memory Care, Limited Skilled Nursing (maximum 20% of NOI)
45 Days Closing Time Frame

FHA

Federal Housing Administration (FHA) provides loans designed for low to medium income borrowers. One require lower minimum credit scores and down payments to get a FHA loan. To get one check the eligibility with a COX Capital group expert.

$500,000 Minimum
Competitive Market Pricing
Up to 40 Year Term – Fully Amortized
Refinance, Acquisition, Construction or Rehabilitation
Non-Recourse
85% LTV Maximum
Nationwide
Assumable
Apartments, Mobile Home Parks, Assisted Living, Cooperatives, Skilled Nursing, Independent Living and Hospital’s
6 – 9 Months Closing Time Frame

Opportunity Zones

An Opportunity Zone is an economically distressed community where new investments (under certain conditions) may be eligible for preferential tax treatment. Localities qualify as Opportunity Zones if they have been nominated for that designation by the state and certified by the Secretary of the U.S. Treasury via delegation of authority to the Internal Revenue Service. The Opportunity Zones program was established by Congress in 2017 and enables investors with capital gains tax liabilities to receive favourable tax treatment for investing in low-income, urban, and rural communities. COX Capital Group stands ready as the “go to” advisor for our clients regarding Opportunity Funds and Opportunity Zones investments.

Special Features

Our real estate finance solutions are based on the project economies and cash flows.
The solutions cater to all types of developers. That is large, medium and small developers.
The financial structure we follow ensures and leaves no degree of certainty of project completion.
We offer financial assistance to support various project lifecycle that includes Pre construction finance, Construction Finance, Inventory Funding, Lease Rental Discounting and much more.

Real Estate Finance