About Us
BanuchiInvestors (Parent Company) owns and manages over 10,000 class C apartment building units throughout Miami and NYC free and clear of any mortgages. We are nationwide and international in private alternative business ,commercial and venture capital with fast closings.We are international commodities investors in buying, selling and monetization of hard and soft assets. As a diversified company we lend our funds of 1 to 20 million with speedy closings for class C and B
apartment buildings. Moreover our company has equity partnership ownership in 48 states of various businesses and commercial properties such as hotels, storages, multi family, office buildings, retail, mixed use, etc. We are nationwide specialists in asset based Investment property loans for residential 1-4, multi-family, mixed use, small and large commercial properties with no upfront fees. Our asset-based lending approach is focused on the property’s value and revenue-generating potential instead of the borrower’s personal income. Our asset-based mortgage programs are specifically designed for independent real estate investors and small business owners who often don’t qualify for traditional bank loans, including W-2 employees, self-employed entrepreneurs, and small business owners.
Whether you are a seasoned buyer seeking another investment property, an opportunist looking to flip houses, or a self-employed entrepreneur in need of their first small business real estate loan.
We have the capacity to help with unusual loans and circumstances for the following:
Apartment/Office buildings,Multi family,Retail,Mixed use,Hotel/Motel,Recreational,Day care,Hair Salons,Auto repair/auto body, Funeral homes, Office/warehouses, Mobile home parks, Garage/storage,Bar/Restaurant.
(All small commercial loans are 30 days closings! All residential loans are 15 days or less Closings!)
Large Commercial Loans 3 million and up :30 Days Closings!
- Multifamily
- Manufactured Housing Communities
- Retail
- Office
- Industrial
- Hotels
- Self-Storage
We have all types of fast private business loans regardless of credit scenarios or lack of property ownership of business.
The following are our types of specialties of loans,
Equipment Leasing | Account Receivables Financing | Contract Financing | Commercial Development Financing | Factoring | SBA Loans | Franchise Financing | Medical Practice Loans | Medical Receivables Financing | Working Capital Loans | Merchant Cash Advances | Sale Leasebacks | Stock Loans | Asset Based Financing | Structured Settlement &Annuity Financing | Project Financing | Bridge Loans & Hard Money Loans | Lines of Credit | Gas Station Financing | Repossessed Asset Financing |Debt Restructuring | Venture Capital | Equity Financing | Business Acquisitions | Purchase Order Financing | Energy & Commodity Finance| Hotel Financing | Construction Financing | Commercial Real Estate Financing | Joint Venture Capital | Mergers & Acquisitions | Mezzanine Financing | Development Financing | Unsecured Lines of Credit | Church Financing and many more…
Our Services
Option# 1
Lock in historically low interest rates and avoid the balloon payment associated with most private money loans.
Designed for investors seeking a simple financing solution for purchase or refinance, with the flexibility to remain in the loan
for up to 30 years.
Key Features
- Great for qualifying W-2, self-employed investors and small business owners.
- Based on property value, not personal income.
- Best alternative to hard money loans.
- Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years.
Property Types
- Investor 1-4 (SFR, Condo, and 2-4 Units)
- Multi-Family (5+ Units)
- Mixed-Use
- Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
- Option # 2
A short-term “fix-and-flip” solution.
Our Loan is the best short-term solution for acquiring and improving property value. It's designed for “fix-and-flip” investors seeking a short-term, interest-only
Key Features
- Allows borrowers to finance improvements.
- Great for borrowers who need a quick close.
- An interest-only 1-year term provides lower monthly payments.
- A higher LTV than hard money lenders.
- Property Types
- Investor 1-4 (SFR, Condo, and 2-4 Units)
- Option #3
A higher LTV alternative to hard money.
With its higher LTV ratio, our loan is designed for investors with credit issues seeking an interest-only, short-term loan as an alternative to hard money financing.
Key Features
- A higher LTV than hard money options.
- Great for borrowers who need a quick close.
- An interest-only 24-month term provides lower monthly payments.
- Perfect for acquiring or leveraging real estate with deferred maintenance.
- Property Types
- Investor 1-4 ( SFR, Condo, and 2-4(units)
- Option# 4
A low LTV loan with easy credit requirements.
Our loan is designed for investors with derogatory credit issues and high equity seeking quick and easy credit qualification.
Key Features
- Great for borrowers with a recent bankruptcy or notice of default.
- No seasoning of ownership required.
- Improved pricing compare to our other
- program.
- Derogatory mortgage history is OK.
- Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years.
- Property Types
- Investor 1-4 (SFR, Condo, and 2-4 Units)
- Multi-Family (5+ Units)
- Mixed-Use
- Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
- Option # 5
Foreign Investor Loan
The perfect option for foreign real estate investors.
Our Foreign Investor program is specifically designed for foreign investors who are seeking investment properties in the U.S. but have not found a financial solution.
Key Features
- LTVs of up to 65%.
- No U.S. credit required.
- No seasoning of funds required.
- No other U.S. investment experience required.
- Property Types
- Investor 1-4 (SFR, Condo, and 2-4 Units)
- Multi-Family (5+ Units)
- Mixed-Use
- Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
- OUR LARGE LOANS(MOST POPULAR)3 TO 100M CMBS conduit loans are conventional fixed-rate, first mortgage loans secured by stabilized income-producing commercial real estate properties that are leased to tenants. Once closed, CMBS conduit loans are pooled together by Wall Street investment banks and sold as securities to investors. The borrower is not involved with this process. The market for CMBS conduit loans started in 1992. The industry peaked in 2007 when $228 billion of CMBS conduit loans were originated in the United States. More recently, the annual volume of CMBS conduit loans closed is $75-$100 billion/year, representing roughly 20% of all commercial loans closed annually in the United States. The CMBS conduit loan market is a significant source of financing for income-producing real estate.
CMBS CONDUIT LOANS BENEFITS
The two most compelling benefits of CMBS conduit loans?
- All CMBS conduit loans are non-recourse (no personal guarantees), and
- CMBS conduit loans allow for unrestricted cash-out on refinances in which the new CMBS conduit loan amount is greater than the loan balance being paid off.
- For example, if a shopping center worth $10 million is refinanced with a 75% loan-to-value CMBS conduit loan ($7.5 million) and the existing loan balance is $5 million, the $2.5 million of excess loan proceeds are provided to the borrower without restriction on what the excess funds can be used for. Many commercial lenders do not allow for unrestricted cash out.
In regard to non-recourse, most commercial lenders require that a commercial loan be 100% guaranteed personally by all of the individual owners of the property. In the event of a default and foreclosure, if the lender does not recover the full loan balance through a sale of the property or the loan, each individual is personally responsible to repay the shortfall, and the lender can easily get a judgment to compel the individuals to pay. With a CMBS conduit loan, the individuals do not have any personal liability to repay the loan in the event of default and foreclosure.
All CMBS conduit loans are fixed-rate and have a 5-7- or 10-year loan term. CMBS conduit loans amortize on long 25-or 30-year schedules and can have interest-only payments during the first few years of the loan term. CMBS conduit loans close fast — in as little as 30 days — and all CMBS conduit loans are assumable.
CMBS conduit loans can be approved and closed with borrowers who have credit blemishes such as prior loan defaults and property bankruptcies as long as the individual who owns the property being financed through a CMBS conduit loan did not act in “bad faith.” In addition, individuals with poor personal credit scores can qualify for CMBS conduit loans because the underwriting and approval for a CMBS conduit loan is based primarily on the income from the property being financed, not the credit of the individual owner.
The following types of leased income-producing real estate are eligible for CMBS conduit loans:
- Multifamily
- Manufactured Housing Communities
- Retail
- Office
- Industrial
- Hotels
- Self-Storage
- BRIDGE LOANS
- Bridge loans are conventional primarily floating-rate first mortgage loans secured by unstabilized income-producing commercial real estate properties that have vacant or underutilized space that is being marketed to tenants.
COMMERCIAL BANK LOANS
Commercial bank loans are conventional fixed-rate, first mortgage loans secured by stabilized or nearly stabilized income-producing and owner-occupied commercial real estate properties that are leased to tenants or are owner-occupied.
AGENCY LOANS
Agency loans are conventional fixed-rate, first mortgage loans secured by stabilized income-producing multifamily and manufactured housing communities that meet Fannie Mae and/or Freddie Mac underwriting
SBA AND USDA LOANS
SBA loans are commercial mortgage loans secured by owner-occupied real estate properties that are partially guaranteed by the U.S. government or provide below-market interest rates to borrowers using the credit of the U.S. government.
USDA loans are commercial mortgage loans partially guaranteed by the United States Department of Agriculture (USDA) secured by owner-occupied real estate properties located in rural areas. The loans are guaranteed through the USDA Business and Industry Loan (B&I)
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