Commercial Land Loans

Unearth the potential of your commercial property investment with our tailored Land Loans at Capital Investors Direct.

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About Land Loans

We understand that strategic land acquisition is the foundation of profitable real estate ventures. Whether you're an experienced developer or a first-time buyer, our Land Loans provide the financial foundation to turn your land investment aspirations into reality.

Land Loan Types

1. Raw Land Loans: Secure financing for undeveloped land, offering the flexibility to mold the property to your vision.

2. Entitlement Loans: Navigate the entitlement process smoothly with loans specifically tailored for securing zoning approvals and permits.

3. Development Loans: Unleash the full potential of your land investment with financing designed for infrastructure development and site preparation.

4. Commercial Land Loans: Tailored financing solutions for purchasing land destined for commercial development, ensuring your vision becomes a profitable reality.

Land Loan Options

Bridge Loans: Temporary financing for land purchase.Useful when securing long-term financing or selling existing assets.

SBA Loans: Small Business Administration loans for various purposes, including land acquisition.

CMBS Loans (Commercial Mortgage-Backed Securities): Pooled loans sold as securities in the secondary market. Commonly used in commercial real estate financing.

State Income Loans: Loans that consider state income as a qualifying factor.Tailored to accommodate state-specific income considerations.

Hard Money Loans: Short-term, high-interest loans secured by the property's value. Often used when traditional financing is not feasible or for quick transactions.

Retail Property Loans Terms

Land loans can vary widely based on factors such as the lender, borrower's creditworthiness, and the type of land. However, here are generalized ranges or examples for the main points:

Loan Amount and Down Payment:

  1. Loan Amount: $50,000 to $5 million (or more).
  2. Down Payment: 20% to 50% of the land's purchase price.

Interest Rate and Loan Term:

  1. Interest Rate: 3% to 8% (or more) annually.
  2. Loan Term: 5 to 30 years, with 15 years being common for land loans.

Collateral and Loan-to-Value Ratio (LTV):

  1. Collateral: The land itself.
  2. Loan-to-Value Ratio: Typically capped at 80%, meaning the loan amount is up to 80% of the land's appraised value.

Credit Score Requirements and Loan Origination Fees:

  1. Credit Score: 620 or higher for conventional loans.
  2. Loan Origination Fees: 1% to 3% of the loan amount.

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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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