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Commercial Real Estate

Commercial Real Estate

Cal National Bank is a leading multi-family and commercial real estate lender in Southern California. Cal National is a reliable and experienced resource for all types of multi-family, commercial and construction needs for owners and investors.

At Cal National, we understand that a “one-size-fits-all” approach to commercial lending just doesn’t work. We employ real people to make loan decisions and customize financing to suit your financial needs. We offer fixed and adjustable rate financing at competitive rates and flexible terms.

Multi-Family Loan Program
Property Type: Multi-family — Purchase or Refinance No Mixed-use Buildings, No Masonry Buildings
Property Quality: Average and Above
Loan Amount: $100,000- $249,999 (Loan Fee $2,500)
$250,000 - $5,000,000
Maximum Loan Amount: $5,000,000
Term: 30 years
Amortization: 30 years
Loan To Value Ratio: Purchase - 80% Rate/Term
Refinance - 75% Cash Out Refinance - 75%
Debt Service Coverage Ratio: 1.15
Recourse: Full Recourse for Purchase
Lending Area: CA, AZ, ID, NM, NV, OR, UT, TX, WA

Commercial Loan Program
Property Type: Office, Retail, Industrial, Self Storage
Loan Fee: 1%
Loan Amount: $500,000- $25,000,000+
Term: 10 years
Amortization: 25 years
Loan To Value Ratio: 75%
Debt Service Coverage Ratio: 1.25
Recourse: Recourse
Processing Fee: $750 or 10bps, whichever is greater
Third–party Fees: Actual, to be determined (environmental, title, closing costs, etc.)
Prepayment Fee: Varies by Program

Please note the guidelines presented above are general. Cal National offers flexible loan programs to suit your financing needs. If you are in the market to finance, we invite you to contact your banker for more details.