Liberty Realty Capital Group originates both commercial and multifamily debt on behalf of commercial real estate investors for most asset classes in primary, secondary and tertiary markets.
Our marketplace of lenders provide a clients with a variety of commercial real estate financing options to meet the individual borrowing needs and investment objectives of our borrowers.
Liberty is a full service commercial mortgage broker that can arrange funding from $250,000 to $50,000,000 of financing including permanent loans, construction loans, multi-family loans, mezzanine or bridge loans for investor owned or owner occupied properties. Based in Tulsa, Oklahoma Liberty’s primary focus is in the Oklahoma and Northwest Arkansas markets in addition we can source commercial loans for properties throughout the United States.
Our diverse commercial real estate loan options allows us to finance all types of commercial and investment properties nationwide. We finance multi-tenant properties such as retail shopping centers, office buildings and warehouse/industrial properties, multi-family properties as well as single tenant and special use properties such as credit lease properties, restaurants, gas stations and motels.
In addition to investor owned properties Liberty can also assist in providing financing to owner occupied properties and small businesses through either nonbank SBA lenders or private lending sources that specialize in small business lending.
Bank Lenders
Often banks are limited to the type and structure of commercial real estate loans they are able to provide. While they usually can have a competitive interest rate it is often offset by lower loan to values and shorter amortizations. Banks will often try to do all of their commercial real estate loans with SBA (Small Business Administration) guarantees. SBA loans require the borrower to occupy at least 51% of the property being financed.
We do work with a handful of non-bank lenders that will finance properties and terms that are often not doable by local banks.
Institutional Lenders
Institutional lenders are what are defined as life insurance companies, pension funds and real estate investment trusts or REIT’s typically lend on what we call the four basic property types which are apartment, retail, office and warehouse. Lenders in this category typically focus on larger loans in major cities, often $10 million and over loan amounts.
Conduit Lenders
Conduits or Collateralized Mortgage Backed Securities (CMBS) in addition to multi-family financing also provide a variety of commercial real estate property financing.
• Loan amounts from $2 million to $50 million. Some also have small loan programs
• Loan to value typically 75% to 80% in some cases.
• Fixed rate terms to 10 years with amortizations to 30 years
• Non recourse with standard carve outs
Agency Lenders
Government-backed multifamily financing include loans sponsored by Fannie Mae and Freddie Mact hat meet standards set by the Federal Housing Administration (FHA). There are more than five government-backed multifamily financing options, which can either finance properties with two to four units or properties with five or more units.