Hotel Loans

At Capital Investors Direct, we understand the unique dynamics of the hospitality industry, and we are your trusted partner in unlocking the vast potential of hotel investments.

Our specialized hotel loans are crafted to meet the distinct needs of commercial property investors like you. Whether you're a seasoned hotelier or venturing into the world of hospitality for the first time, our comprehensive hotel loan options are designed to ensure your success in this dynamic market.

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About Hotel Loans

Embark on a journey of success with our expertly tailored hotel loans.
Capital Investors Direct offers financing solutions that recognize the specific challenges and opportunities of hotel investments.

Our commitment is to provide you with flexible terms, competitive rates, and personalized guidance, ensuring your hotel investment journey is both seamless and prosperous.

Trust us to be your strategic ally as you navigate the intricate landscape of hotel financing.

Hotel Loan Types

Explore a variety of hotel loan types that cater to your unique investment objectives.
Capital Investors Direct understands the diversity within the hospitality sector, offering financing solutions for:

Full-Service Hotels: Secure funding for upscale, full-service hotels that cater to a broad range of guest needs. Our financing options ensure you have the resources to provide a comprehensive and luxurious guest experience.

Limited-Service Hotels: Optimize your investment in limited-service hotels with our specialized loan programs. Benefit from competitive rates tailored to the unique operational model of these efficient and focused establishments.

Boutique and Independent Hotels: Fuel your passion for distinctive hospitality experiences with our loans designed for boutique and independent hotels. We understand the importance of individuality in this sector and provide financing that aligns with your vision.

Resort Properties: Embark on resort development or enhancement projects with our resort property loans. Capital Investors Direct supports your efforts to create memorable guest experiences in breathtaking leisure destinations.

Hotel Loan Options

Construction Loans: Bring your hotel development visions to life with tailored financing for new constructions or renovations.

Hard Money Loans: Access quick and flexible funding for hotel investments, ideal for situations requiring rapid financing with less emphasis on credit history.

State Income Loans: Explore specialized loan options that consider state-specific income nuances, ensuring a customized approach to hotel financing.

Investment Property Loans: Secure financing for various hotel types, emphasizing full-service, limited-service, boutique, independent, and resort properties.

Bridge Loans: Navigate transitional periods in your hotel investment strategy with short-term bridge loans, ideal for upgrading, repositioning, or awaiting permanent financing.

CMBS Loans (Commercial Mortgage-Backed Securities): Access capital markets with our CMBS loans, providing efficient financing for hotel investments through securitized mortgage-backed bonds.

Hotel Loans Terms

While specific loan terms may vary based on individual circumstances, in general, hotel loan terms include:

Loan Size:

  • Varies based on the hotel project, typically ranging from $1 million and above

Loan Purpose:The loan can be utilized for hotel property acquisition, development, or refinancing.

Loan Term:

  • Typically offered in 5, 10, or 20-year terms, with some variations depending on the lender

Amortization:

  • Options include 20, 25, and 30-year amortization schedules

Leverage:

  • Loan-to-Value (LTV) ratio varies but often falls within the range of 70% to 80%

Debt Service Coverage Ratio (DSCR):

  • Minimum DSCR requirements, often ranging from 1.20 to 1.40

Recourse:

  • Loans may be recourse or non-recourse, depending on the terms and conditions of the agreement

Interest Rate:

  • Fixed or variable interest rates, with rates influenced by market conditions and the borrower's creditworthiness

Credit Score Requirement:

  • Minimum credit score requirements, typically ranging from 660 and above

It's important to note that these are general terms, and specific details can vary between lenders and individual loan agreements. Prospective borrowers should consult with lenders to obtain precise information tailored to their circumstances.

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Capital Investors Direct funds different commercial properties across the country. Below are few commercial properties we lend hard money for –

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