Flexible commercial mortgage solutions for extraordinary people.
At Innovative Mortgage Brokers we work with nationwide and direct portfolio lenders offering exclusively loans for small commercial properties. Whether you are a seasoned buyer seeking another investment property, an opportunist looking to flip, or a self-employed entrepreneur in need of their first small business real estate loan, we recognize the potential in every borrower. If you are looking for a commercial mortgage, we can help.
Our programs enable us to service the unmet needs of independent real estate investors, who often don’t qualify for traditional bank loans, including W-2 employees, self-employed entrepreneurs, and small business owners. Because we believe every borrower, even the extraordinary ones, deserve an opportunity.
We make Commercial Mortgage Financing easy for:
- Mixed use properties – Mixed-use property financing applies to properties that are comprised of multiple units zoned for different uses, including residential, commercial, industrial and institutional. Almost any building with at least two units of different usage qualifies for mixed-use financing.
- Multi Family properties – To qualify as a multi-family investment property, the building must have five or more dwellings (apartments), whereas buildings with four or less units are still classified as residential 1-4 investment properties in most states.
- Commercial properties – commercial buildings with more general use capacity like retail, warehouse or office space are easier to finance than properties built for a specific purpose (i.e., bowling alley, bank or manufacturing plant) because they have an inherently lower risk due to a higher market demand from investors. Lenders often avoid financing specific use properties or require a lower LTV (e.g., higher down-payment) on them to offset their higher risk profile. We have lenders for office buildings, retail stores, warehouses, self storage, automotive repair shops, light industrial, mobile home park, daycare center, restaurant, bar, to name a few.
We have commercial mortgage solutions for:
- Credit-worthy investors or business owners looking for an alternative to bank financing
- Investors and business owners who are not able to disclose certain information
Programs available for Owner Occupied and Investors. Purchase, Refinance rate and term or Cash out.
Less paperwork, flexible terms and the freedom to look beyond a borrower’s personal income, allow us to offer investors funding options beyond what’s traditionally available to them. Whether you need a loan for a new property or a cash-out refinance, our commercial loan options will make it simple to qualify.
Our simple, flexible loan solutions make it easy for investors to get the commercial mortgage financing they need so they can focus on bringing their vision to life.