Eagle Capital Consulting

Our Mission: 

To assist clients with the right financing for their commercial purchase of opportunistic real estate, refinance rate & term, cash out  bridge loan

New Construction Development that incorporates their plan that best suits their needs.

Eagle Capital Investment Partners is a correspondent for real estate and asset based collateral in association with private capital, funds and asset managers that seek sustainable returns in exchange for lending or joint venturing capital. The firm has extensive experience in structuring all debt, asset based capital stacks for commercial real estate transactions.

We offer competitive and reliable liquidity events based on the transaction that include; Commercial New Construction  and Development finance for Commercial Builders, Residential Home  & Mixed Use Developers.

Income Producing Properties advisory: Our CMBS, Life and Banking relationships are well established and know what they wish to invest in, allowing the clients to attain various types of options based on their current financial request.

With years of experience in handling private clients small or large, The company offers a range of innovative products and services to our clients. We develop and preserve long term relationships with our clients by providing reliable service and optimal financing solutions. Our professionals focus on the client’s individual needs and objectives, as key determinants in structuring the appropriate financing for each transaction.

Our Commitment: We identify, evaluate and configure the most effective capital structure for each project while always keeping the clients priorities in mind.

Types of Transactions we may consider working on to source, pre-qualify and close( based on investors final approval of package and project;

• Purchase, Refinance Commercial Properties
• Most Loans are Recourse or Limited Recourse based on credit worthiness of deal and client collectively
• Cash Out Need from equity in Commercial Real Estate property or Portfolio( Bulk bridge loan ( from 1-3 years) or long term refinance note from 5-10 year terms and up to 30 Year Amortization

Do you have a project that requires cash out refinance so your team can put that equity to work  grow or expand?

• Bridge Loans available by private capital source that can lend from 50% up to 65% LTV (some up to 80% LTV) of an income producing asset that has enough equity to conduct a loan to refinance existing debt and allow cash out based on the “AS IS Value”.
• 2nd Mortgages can be executed up to 75% CLTV ( combined loan to value) on Income producing assets with viable exit strategy within 1-3 years. Cross Collateral is allowed with pledging other properties to increase the LTV and reduce lender risk. These loans typically take from 3-4 weeks to process and close from conditional loan approval. Rates from 8.50%-12%, Interest Only. Rates may fluctuate with the financial markets and overall risk determined by Lender.
• Package: Once the package is received will set up Agreement of terms of what the clients objectives are and timing and potential opportunities that may be available.
• We will attain a working agreement with client to proceed with Lender introductions and timing in order to attain the right financing the client is requesting.
• Rates contingent of borrower background and financial ability , the property valuation and exit term and strategy that is feasible.

Specialty Finance Solutions: 

• Lines of Credit- Unsecured from $50,000 to $750,000, Signature Loans, 680 Mid FICO score with credit depth on 3 reports is advantageous to best results, US Clients only program. Business LOC from $50K to $150K. US Citizens Only program.
• Stated Income/ Verified Assets/ Commercial SFR 1-4 Units $75,000 to $2 million, Max LTV: 70% LTV/ 80% CLTV( combined loan to value), Commercial- Multi Family to Mixed Use to $5 Million.
• Commercial Investment Real Estate( Non- Bankable), Purchase, Cash Out Refinance, Foreign Nationals & US Nationals acceptable,  $250,000 to $2,500,000 Million funding r
• Commercial Lot Loans $100K to $1 Million from 50% LTV/ 70% LTC, Unimproved Land/ Commercial Subdivision/ New Construction for Commercial projects $1M- $5M.
• Fix & Flip Loans for Real Estate Investors:  Joint Venture 90/10 Program. Borrower Invests 10% of Acquisition & Rehab   JV Partner invests 90% and 50/50  split of profits when property sells between parties.
• Alternative Lending on Real  Estate– Bridge Loans –Bank Rate option: Ideal for stabilized properties with  strong cash flow, credit worthy borrowers, trophy assets, 1031 exchanges- $500,000 to $10 million. Up to 75% LTV. Rates start at 4.50%. Term up to 10 years. Purpose: Business, Investment, and commercial purposes only. Property Type: Retail, Office, light industrial, multifamily, mixed use, self storage, mobile home parks. Market: Select areas Nationwide. Min Credit: 680.minimum
• Sub-Prime Commercial: Property & or Borrower seasoning before conventional takeout, limited renovations. min DSCR, some credit issues. $200,000 to $10 million. Starting rates from 6.50%. Terms: up to 10 years. Loan to Value: up to 75%. Min Credit : 600. Minimum.
• Purpose: Business, Investment, and commercial purposes only. Property Types: Retail, office, light industrial, multifamily, mixed use, self storage, mobile home parks.
• Bridge Program: An alternative product for credit challenges, limited documentation, stabilizations, foreign nationals, partner buyouts, foreclosure bailouts, BK workouts, discounted payoffs, CMBS workouts, balloon payments, Bank turndowns, REO acquisitions, quick closings. $100,000 to $10 million. from 55-65% LTV. Most major metro areas nationwide( CA, AZ, TX, FL preferred).

 

Typical Package items for terms and conditions for the right solutions 

Presentations we assist for bridge loans construction loans and alternative lenders that provide capital for various type of real estate.

Consulting Services

The Company also provides a wide array of consulting services in the commercial real estate arena. Services are provided to developers, public or private lending institutions and investors. Our seasoned professionals will guide you through your customized process in one of the following areas:

• Investment Review and Preliminary Underwriting.
• Customization and Capital Structure of transactions, Purchases, Rate & Term Refinance Analysis, Construction Analysis and Cash Flow Analysis.
• Capital Markets Advisory for purchase rate and term refinance, permanent and new construction.
• Portfolio Analysis, Optimization and Recapitalization Analysis
• Valuation Services to support capital injection by equity or debt or both
• Stock Loan Analysis for US Clients Maximum Loan to value and all viable options;
• Stock Loan Analysis for Intl Clients.
• Customization of Packaging of the subject transaction, presentation to Investors, Senior Debt Lenders, Mezzanine, Insurance Companies, Pension Funds, Structured Funds. pricing is based on project scope, current preparedness and additional preparedness required for placement.

 

Preferred Equity, Mezzanine financing and subordinate debt finance:

Serving real estate owners that have 1st mortgages restricting cash out refinances. This is common in loans through high prepayment penalties yield maintenance, and defeasance such as Commercial Bank loans, Fannie/ Freddie Mac Loans and CMBS loans.

We arrange owners to receive capital they need while maintaining majority ownership and control of their property. We offer previous equity to be recapitalized for Sponsors that sell an ownership share in existing properties.

Our Investors invest in stabilized properties and cash flowing real estate partnerships.

Finance Program

• Properties types include; Office, Retail, Multifamily, Hospitality, Industrial, & Self Storage except land, new construction and developments.
• Investment Size: $1,000,000 to $10,000,000. Larger deals often make more sense due the cost of capital and any necessary fees. Our average deal size if 3-5mm with many deals completed at $10M plus on commercial assets that qualified.
• Annual Returns: 12%+ is typical by Lender
• Combined Loan -to- Value: Up to 75%
• Term: 1-10 years
• Security: Equity Interest or Subordinate Debt – note that many Multifamily assets do not allow a 2^nd mortgage however a partnership interest may be capitalized to exist other investors in LLC or create liquidity event for operating Partners.
• Location: Nationwide with no minimum population requirements
• Typical closing: 35-45 days
• Upfront Fees: $0
• Advisory Fees: TBD (based on size of transaction)

Case Study

To help the owner of a 77,000 SF office building monetize their equity without putting their CMBS or Bank Loan into a default. ECF1 arranges LP to acquire a non- controlling equity interest for $2.25 Million. The property was 100% occupied and encumbered with CMBS debt. Despite being low leveraged, the mortgage restricted cash-out refinance until loan maturity, which was not for another 5 years. This left the owner with a lot of equity but few ways to monetize it. In less than 35 days and in full compliance with the mortgage, our LP’s invested $2.25 Million, providing them with working capital they needed. The recapitalization included a repurchase option which allows the property owner to buy back interest from LP at any time; at a predetermined repurchase price.

Loan Process:

Step 1: Initial call to discuss your scenario

If the deal initial sounds like it may qualify then our underwriter’s reviews information on both the investment property and the partnership to use in conjunction with industry standard valuation formulas to determine an accurate fair market value of the investment. Our underwriters will work with investors of any source that fully understand the investments strengths and weaknesses and underwrites the right structure.

Standard Documentation to submit: Operating or Partnership Agreement, YTD P&L, 2 Years of Tax Returns, and a Balance Sheet, 3 Years of K-1’s, Copy of Mortgage, Rent Roll.

Step 2: We have streamlined the sales process of fractional interest in commercial real estate partnerships to be completed in as little as one week. Once we have receipt of the requested documents for review, a purchase price is typically presented in only a matter of days. Upon owners’ acceptance of the purchase price, the deal is documented and closed. Funds will be wired directly in to the sellers’ bank account for immediate use. In cases where your co-investors have a first right of refusal, the sales process may take additional time.

Typical Scenarios:

• Do you own a Real estate LLC with Partners?
• LP Interest in Real Estate? TIC (Tenants in Common) Interests?
• Do you have interests in DST- Delaware statuary trusts?
• Do you require capital out quickly so you can allocate into another timely opportunity? Typically to justify a price structure like we offer a larger amount of capital may be refinanced out of the asset. Most deals are $5-25 Million Investment/ and Liquidity Event.

Set up your complimentary discussion with us if you are interested to learn more.

Business Consultant. Stephen C. Parente

Direct: 770-309-5872

Email: eaglecapital1@gmail.com

 

Disclaimer:

Our terms and conditions that we offer for any loan are subject to credit review of borrower and project, valuation review and final approval based on due diligence  prepared by the lender or Equity interest investor. These terms do not consummate a commitment to lend. Terms and conditions may also be affected negatively by the current market conditions and modify the terms to a final offer.

Any program or investment option we offer is not a solicitation to purchase or sell securities.