Cohen Financial Group Inc, provides custom funding solutions worldwide. We specialize in Hard money, Joint venture, 100% funding Bond loans, Construction loans, Proof of funds, Lines of credit, SBA Loans, Conventional, HUD Loans, Apartments, Office building, Retail, Hotels, Casino, Sub-division, Gas and Oil wells, Bridge loans on all property types. We utilize our vast funding resource for the best rates, and terms. Fast approval and closing. We require no-up front fees.
COHEN Financial Group Inc.
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1-800-998-7967
Holding a higher standard
  
No Upfront Costs or Obligations
200 + Lending Products
Competitive Rates and Terms
Professional & Responsive Staff
Simplified Three-Step Lending Process
Secured Website (128bit Encryption)
Proof of funds and Trade Platform
100% Bond and JV Funding
Our Services
A better alternative to Bank loans

As a direct private placement provider, Cohen Financial Group Inc., and its
partners have a wide variety of programs for real estate projects
throughout the United States and International. Below are our basic lending guidelines and
property types for commercial real estate loans:


All First Mortgages: Loan / Deal Sizes ($2,000,000 – $500,000,000+)
Micro Loan Program ($500,000 – $2,000,000)

Eligible Property Types

  • Multi-family Apartments
  • Anchored Retail Shopping Centers
  • Strip Retail
  • Mixed Use
  • CBD Office
  • Suburban Office
  • Medical Office
  • Student Housing
  • Warehouses / Distribution / Flex
  • Flagged Hotels / Extend-Stay Hotels
  • Parking Garage & Surface Lots
  • Self Storage Facilities
  • Mobile Home Parks
  • Condo Unit Inventory Loans
  • Special Use – (Auto Repair, Gas Station, Restaurant/Bar, Car Wash)

Standard Commercial Loans

Purchase Distressed Property-Hard Money

  • Loan to Value Ratio Up to 90% CLTV
  • (up to 100% in certain cases)
  • Interest Rate 4.75% – 12%
  • Term 1 – 3 years; 5-25 years
  • Amortization – Interest Only
  • Recourse & Non-recourse
  • Loan Fees 3 – 5 Points
  • Exit Fee – None
  • Extensions – Yes
  • Extension Fee: 1/2 – 1 Point
  • Borrowing Entity: Special Purpose Entit 
  • Loan to Value Ratio Up to 75%
  • Interest Rate: 7% – 12%
  • Term 1 – 5 Years
  • Amortization TBD
  • Recourse TBD
  • Lender Fee 5 – 8 Points
  • Exit Fee: 3 year prepay
  • Extensions: Yes
  • Extension Fee 1/2 – 1 Point
  • Borrowing Entity Special Purpose Entity

Life company sample terms $10mm above

FANNIE MAE LOANS

Mobile Home Park Financing


     Terms as of March 2016

Size:        $1 million to $75 million
Term:        10 to 25 year loan terms
Interest Rates:   4.25% to 4.60% fixed
Amortization:  Up to 30 years
Maximum LTV:70% to 75% (although often times capped at 65%)
Minimum DSCR: 1.25 x’s
Non-recourse with standard “bad boy” carve-outs
Interest only period available for certain properties
Advantages:
 Will consider loan modifications or special requests (i.e. secondary financing) during the loan term Early rate lock (up to 90 days prior to closing)
Non-recourse
Disadvantages
Tend to be less aggressive on max dollar deals
Tend to focus just on higher class assets
Less likely to do cash-out deals
 
Size:      
Terms:     
Interest Rates: 
Floating rates from
Amortization:    
Maximum LTV:   
Minimum DSCR: 
Non-recourse with standard “bad boy” carve-outs
Rate Lock: 30 to 90-day commitments. An early rate lock feature is available allowing the borrower to lock a rate 45 to 180 days in advance of closing.
Prepayment Options: Yield maintenance and other graduated prepayment options are available. There is no prepayment premium if loan paid within the last 90 days of the loan term.         
Advantages:
Highly competitive pricing
Early rate lock
Up to 80% LTV
Non-recourse
Disadvantages:
Selective of the properties they will finance
Require financially strong borrowers. 90-120 Days funding.
 
Generally $1 million to $100 million
5, 7, 10, and 12 yearterms
3.75% to 4.85%
2.35%
30 years
75% - 80%
1.25 x’s
  • DSCR 1.25 - 1.30
  • Existing & Stabilized 
  • 50+ Pad Sites
  • 90%+ Tenant Owned Homes
  • Skirting
  • More Than 50% Doublewide
  • Off-Street Parking
  • All Roads Must Be Paved
  • All Hitches Must Be Concealed 
  • No Option To Purchase Pad Site On Leases

Mobile home parks are undoubtedly an important market niche within multifamily lending. There are many important factors to consider when buying or refinancing a mobile home park. Although misunderstood by many, mobile home parks serve as wonderful, stable, income producing assets and can be a fantastic investment if well managed and purchased correctly. Although many advisories and lenders are unaware, there are a wide array of product options for mobile home parks, including, but not limited to CMBS Loans, Fannie Mae Loans, and permanent bank financing.
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  1. Joint Venture International
    Joint Venture investors will invest up to 100% of the equity capital. The financing structure will combine equity and debt. We will review all property types.
    Cohen Financial Group, LLC facilitate for the Joint venture firm; we prescreen all projects to ensure they meet the lending criteria.. Our JV Firm is one of the largest and most profitable, with 3 billion in assets. We fund projects international, with an eye for high return investments and high end developments. We have a staff of highly trained and experienced attorneys, underwriters, investors, and portfolio management’s traders, we take a no-nonsense practical and creative approach, for underwriting and approving difficult projects, we offer flexible and customized solutions. (click here) more information
  2. 144A Bond Program*
    For large or unique projects, the 144A Bond Funding program is a fast,non-recourse way to finance many types of real estate and non-real estate projects up to 100% LTV/LTC in the U.S. and internationally.
    144A Bond Program The bond funding program offers the following benefits to investors: 100% LTV (or LTC for construction projects) No personal guarantee Flexible repayment terms No asset verification No loss of equity in your business Quick turn around time – often 90 to 120 days. Flexible repayment terms
  3. Up to 100% Funding - Life company loans-$10mm
    Any stabilized commercial real estate Mall/Shopping Center Construction or Rehabilitation Arena, Sports complex Agriculture Hotel/Resort/Apartments Mines Oil & Gas Energy Related Non-RE such as technology, pharmaceutical, major business acquisition/expansion
  4. Hard money and Construction loans
    Any stabilized commercial real estate Mines Construction or Rehabilitation Oil and Gas Agriculture Energy related Mines Oil & Gas Energy Related Non-RE such as technology, pharmaceutical, major business acquisition/expansion
    Available: WORLDWIDE (except for U.S. Dept. of State blacklisted countries) Loan Amounts: $10MM to $2B + Interest Rates: 4.75% – 7.00% Terms: Up to 100% LTV; Fixed rate up to 30-year amortization
Bond Program Overview
 
Life Company Loans For Apartments, Hote, Malls, Sports complex, sub-division or major community developments and Commercial Real Estate
All major properties, Life Companies offer an interesting alternative to Fannie and Freddie in that they have longer loan term options, competitive rates, and prepayment penalties. They however are less competitive when it comes to leverage, especially cashing a borrower out on a refinance. Life companies further are often the most competitive option for larger balance ($10MM and up) commercial real estate loans for properties including office buildings, retail centers, single tenant retail (Walgreens, Target, Walmart, CVS, etc), and other commercial properties. Life companies generally focus on the highest class/quality assets and in tis capacity are very selective when it comes to financing.
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                                          OVERVIEW

Cohen works closely with our Wall Street investor with over 50 Billion in assets.  Our Group provides  private placement debt capital to companies offering a full range of corporate financing needs. Debt private placements offer the following advantages for corporate borrowers:

  • Stable market characterized by steady demand
  • Custom-tailored structures
  • Diversity of capital providers
  • Quick and efficient access to capital
  • Certainty of execution
  • Lower all-in costs versus public debt
  • Longer maturities and fixed interest rates versus bank financing
  • Flexible payment structure (amortizing or bullet maturities)
  • Multiple funding dates, maturities and currencies available – all possible in a single transaction
  • Allows for matching of longer term assets with longer term liabilities
  • Tailored disclosure (ranging from confidential to high profile)
  • SEC registration not required
         Shelf Facility

Provides issuers with quick and efficient access to capital
Multiple notes (minimum draw of $10 million) can be issued under Shelf Facility with the ability to structure each note with a different payment structure
Minimal up-front costs
Once the Shelf Facility is established, follow-on draws require minimal documentation
Ability to fix coupon rate within days of funding thus providing for maximum flexibility
Multi-currency capability with fixed and floating rate interest option
Private placement and Equity
Worldwide Investing
Our Partners Investing several billion dollars annually and with a portfolio of more than $51 billion*, they focus on the following asset classes:
  • Debt Private Placements
  • Infrastructure/Project Finance
  • Lease/Tax Equity
Type:  

Traditional private placements, 144a transactions (w/o registration rights), credit tenant leases, multiple issuers, other structured transactions
Issuer Type:   Private or public companies
Structure:   Senior and subordinated notes; unsecured or secured
Transaction Size:   $15 million to $500 million (per transaction)
Maturities:   Up to 30 years, multi-tranche, bullets or amortizing structures
Coupon:   Typically fixed rate, floating rate options also available
Credit Quality:   Investment grade or below investment grade (no agency ratings required)
Currency:   Any major currency
                              INTERNATIONAL PROJECT AND INFRACSTRUCTURE FINANCE

Cohen Financial Group provides capital for essential infrastructure/project financings related to infrastructure development, power generation, oil and gas and mining. Infrastructure debt private placements offer the following advantages for borrowers:
  • Stable market characterized by steady demand
  • Custom-tailored structures
  • Diversity of capital providers
  • Quick and efficient access to capital
  • Certainty of execution
  • Longer maturities and fixed interest rates versus bank financing
  • Flexible payment structure (amortizing or bullet maturities)
  • Multiple funding dates, maturities and currencies available – all possible in a single transaction
  • Allows for matching of longer term assets with longer term liabilities
  • Tailored disclosure (ranging from confidential to high profile)
  • SEC registration not required

                                  INVESTMENT CRITERIA
Type:   Traditional private placements, 144a transactions (w/o registration rights), multiple issuers, other structured transactions
Issuer Type:       Private or public companies
Structure:        Senior and subordinated notes; unsecured or secured
Transaction Size:   $25 million to $500 million (per transaction)
Maturities:       Up to 30 years, multi-tranche, bullets or amortizing structures
Coupon:         Typically fixed rate, floating rate options also available
Credit Quality:    Investment grade profile (no agency ratings required)
Currency:        Any major currency

Our Private Capital Investors was recognized for its infrastructure debt investment capabilities in 2012, being named 2012 "Global Institutional Investor of the Year" by Project Finance International magazine.
Church Loans and Non-Profit loans
Church Bonds
Bonds are probably the most flexible source of long-term capital available to churches. The greatest advantage of bond financing is that bonds provide a fixed interest rate, long-term solution for your financial needs. Thus with bonds, there are no balloon payments, rate changes, or future re-qualification risks normally associated with bank loans. Bond financing allows a church borrower to tailor its borrowing needs and repayment schedules. Because bonds provide the mechanism to provide fixed, long-term financing rates for up to 25 years, the borrowing church will know at the onset each payment it will make for the next 25 years. Since churches are budget-based institutions and church leaders are stewards of their congregations’ financial resources, knowing theses future payments is critical for responsible financial management. Bonds typically have significantly less onerous terms and conditions associated with them as compared to borrowing from a bank and other conventional lenders. Our organization does not require members of the issuing church to purchase any bonds. Our investors regularly invest in bonds issued by churches throughout the country. Bond financing can be very flexible and provide a low- cost method for churches to borrow funds.
Cohen Financial Group, Inc. specializes in the underwriting and distribution of mortgage-secured church bonds. The bonds are sold through its established, nationwide broker network with an extensive client base. Loans funded through bonds range in size from $1 million to $15 million.

          General Conditions
  • No Pre-Payment Penalties
  • No Personal Guarantees
  • No Balloon Payments
  • No Restrictive Loan Covenants
  • No Banking Relationships Required
  • No Application or Loan Commitment Fees , only due diligence fees
 
Church Loans over $500,000
Current Loans Interest Rate
20 Year Fixed 6.25%
25 Year Fixed 6.95%
Other flexible rate structures available with rates starting at 6.95%
________________________________________
Loans from
$350,000 to $500,000
Current Loans Interest Rate
20 Year Fixed 7.25%
25 Year Fixed 7.50%

Assisted Living - Nursing Home - Student Housing

Multifamily.loans has a strong tie to its community and all those within
it. As such it only seemed appropriate to build the nation's most
substantial network of senior living and health care financing
opportunities to serve the baby boomer generation and those building and
managing facilities to care for it. Multifamily.loans offers the full
range of financing opportunities to such health care facilities as:
Assisted Living, Skilled Nursing, Independent Living, Alzheimer's Care,
Long-Term Care, and more. 

Golf Course Financing, Funeral Home, Daycare Commercial, Cold Storeage, Storeage Facility

- Loans $500,000 and $10,000,000
- Up to 100% LTV / LTC
- Competitive Market Interest Rates
- 25 to 30 year terms
- 45 to 60 day closing time
- Acquisition or Refinance
- Construction or Partner Buyout
Making your ideas a reality