Commercial or Residential Investment Loans

(Available Nationwide – Subject to Licensing Requirements)

Why Choose Hopkins Financial for Your Commercial or Residential Investment property?

If you’re purchasing or refinancing a commercial or residential investment property and don’t qualify for traditional bank financing, we may be able to help. These loans—often referred to as “hard money” or “asset-based” loans—are based on property value rather than borrower credit alone.

Hopkins Financial will consider loans on all types of commercial properties, including office, retail, industrial buildings, or land. We will even consider properties such as mobile home parks and RV parks. We also consider loans secured by residential investment properties or rental properties. These commercial or non-owner occupied residential loans are available nationwide, subject to no requirement for licensing in your specific State.

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We find our clients have come to us for a loan because:

The property is in process of being leased and vacancy rate is too high.
Tight time frame to close
Credit issues or Bankruptcy
Self-employed; difficult income verification
Loans for all commercial or investment property types

General Loan Terms:

Loan Amounts: $50,000 to $5,000,000

Location: Commercial or Residential Investment Properties across the U.S.

Property Types:
Retail, Office, Industrial, Multi-Family (5+ units), Land Development, Mobile Home Parks, RV Parks

Interest Rates: Typically 10% – 12%, subject to change based on credit, property type, and other factors

Points/Fees: Typically 3% – 5%, depending on the complexity of the loan

Loan-to-Value (LTV): Average 60%, with potential up to 80%

Loan Terms: From 6 months up to 30 years, Most loans structured with a 5–10 year balloon

Funding Time: Usually 7 to 30 business days, depending on loan type and property

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Commercial Operation in a Residential Parcel
Mobile Home Park
High Vacancy Retail Center
Small Office Building
Small Office Building