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Commercial_Loans

Commercial Hard Money Lenders
Commercial Real Estate Loans
 
These loans are secured by properties being acquired and/or owned as an investment for a defined commercial use. The investment can be short or long term depending on the needs of the Owner/Borrower. Our Borrower may be any legal entity, whether an individual, corporation, nonprofit, or partnership. Property types include the entire spectrum of Real Estate. We lend on apartments, churches, warehouses, hospitals, office buildings, retail shopping centers, convenience stores, hotels, houses, and unimproved land. The loan may be for acquisition, rehab of an existing structure for lease, development or improvement for owner occupancy/ resale, or a simple refinance. We structure the terms and conditions of our loans to fit each individual request.
 
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Multifamily
Warehouse
Motel
Office

Tell Us About Your Loan

Personal Financial Statement 

Please click here to download a PFS (Personal Financial Statement). We'd really appreciate it if you would be so kind as to email it back to us at leah@amilenders.com. 

If you have any questions, please do not hesitate to call us.

There are specific generic items needed for any commercial Real Estate loan:

  • A basic summary explaining the transaction and reason for the loan request. If the request is for funding a property purchase provide a copy of the contract and if available a survey.

  • We will require a current appraisal and depending on the property securing the loan a phase one ESA.

  • For any corporate or partnership borrower, we will need year-end financial statements and tax returns for the last two years and the most recent interim financial.

  • Copies of all corporate or partnership documents

  • For any individual borrower or guarantor of any corporate or partnership loan we will need a current personal financial along with their last two years tax returns.

Refinance

If the loan request is a refinancing of existing debt, AMI will lend the payoff amount provided that amount is less than seventy (70%) percent of the appraisal. All of the requirements and note terms for a refinance are the same as a loan request for a purchase.

Multifamily/Apartments

Loans available for acquisition, refinance, rehab of projects located in Texas. Loan amounts up to 70% of the lesser of the purchase price or appraised value. If the request includes rehab, up to 70% as completed (AMI Lenders will advance rehab funds based on invoiced and approved completed work). Terms are negotiable with one to five year maturities, amortization up to twenty years, and fixed and floating interest rate options. Debt service coverage is negotiable.
 

Hospital/Medical Professional

Loans available for acquisition, rehab of an existing structure for lease, development or improvement for owner occupancy/ resale, or a simple refinance. We will require a current phase one Environmental Site Assessment report. Loan amounts up to 70% of the lesser of the purchase price or appraised value. If the request includes rehab, up to 70% as completed (AMI Lenders will advance rehab funds based on invoiced and approved completed work). Terms are negotiable with one to five year maturities, amortization up to twenty years, and fixed and floating interest rate options. Debt service coverage is negotiable.
 

Retail Shopping/Convenience Stores

Loans available for acquisition, new construction, rehab of an existing structure for lease, development or improvement for owner occupancy/ resale, or a simple refinance. We will require a current phase one Environmental Site Assessment report. Loan amounts up to 70% of the lesser of the purchase price or appraised value. If the request includes rehab, up to 70% as completed (AMI Lenders will advance rehab funds based on invoiced and approved completed work). Terms are negotiable with one to five year maturities, amortization up to twenty years, and fixed and floating interest rate options. Debt service coverage is negotiable.
 

Office Buildings/Industrial Warehouse 

Loans available for acquisition, new construction, rehab of an existing structure for lease, development or improvement for owner occupancy/ resale, or a simple refinance. We will require a current phase one Environmental Site Assessment report. Loan amounts up to 70% of the lesser of the purchase price or appraised value. If the request includes rehab, up to 70% as completed (AMI Lenders will advance rehab funds based on invoiced and approved completed work). Terms are negotiable with one to five year maturities, amortization up to twenty years, and fixed and floating interest rate options. Debt service coverage is negotiable.

 
 
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© AMI Lenders Inc. 2023
   
Equal Housing Lender at AMI Lenders
AMI Lenders, 710 N Post Oak Rd #208, Houston, TX 77024
AMI Lenders Inc. Residential Mortgage Loan Originator NMLS 320385 State of Texas Office of Consumer Credit Commissioner Regulated Lender License #51409
710 N Post Oak Rd Suite 208 Houston TX 77024
Jeff Emerson: NMLS #320687

Figure: 7 TAC §80.200(b)

"CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

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