At REIF Loans, we provide financing solutions for investors working with vacant, underperforming, or transitional commercial properties.
Our value-add and vacant property loan programs help investors acquire, improve, lease up, or reposition properties until they are stabilized and ready for long-term financing.
We make it possible to move quickly when traditional lenders can’t. offering flexible underwriting, short-term terms, and guidance built for the realities of commercial investing.
A vacant or value-add loan is short-term commercial financing designed for properties that aren’t yet stabilized or generating sufficient income.
Investors use these loans to acquire or improve a property, complete lease-up, or finalize renovations before transitioning to permanent financing.
These loans focus on asset potential and execution plan, not current occupancy or income level.
Value-add loans fill the gap between acquisition and stabilization, helping investors unlock future property value and improve performance metrics.
Finance transitional properties while completing renovations, lease-ups, or repositioning strategies.
Simplified underwriting focuses on asset potential and business plan, not extensive tax or income statements.
Preserve capital during the improvement phase with low monthly costs.
Easily transition into permanent financing once the property meets occupancy or cash flow targets.
Ideal for time-sensitive acquisitions or refinance opportunities where speed matters most.
REIF Loans structures each loan to support the property’s improvement cycle and investor timeline. Here’s how the process typically works:
Outline acquisition goals, renovation plans, and projected timeline.
We assess property value, local market trends, and future rent potential.
Financing is based on after-improvement value and exit strategy.
Funds are disbursed for acquisition and approved upgrades.
Investors complete improvements and increase occupancy or rent rolls.
Transition into long-term CRE financing once property performance stabilizes.
While underwriting for vacant or value-add properties is more flexible, lenders still evaluate the project’s feasibility and investor experience.
REIF Loans also assists first-time value-add investors in preparing financial projections, rent assumptions, and construction budgets for approval.
Our value-add and vacant property programs cover a wide range of income-producing and transitional commercial assets.
Acquire and improve office, retail, or mixed-use spaces awaiting lease-up or repositioning.
Renovate and stabilize small or mid-size multifamily projects to boost DSCR and long-term value.
Convert or repurpose vacant retail or office spaces for modern tenants or mixed-use use.
Fund operations and capital improvements during the lease stabilization period.
Transition from short-term bridge financing to long-term DSCR or conventional loans after stabilization.
Most programs last 6 to 24 months, with optional extensions for projects that need additional time to lease or complete renovations.
No. Many programs are lite-doc or no-income verification, emphasizing asset value, project plan, and exit strategy instead.
A value-add loan finances a transitional or improving property, while a stabilized loan applies to assets that already meet DSCR and occupancy requirements for long-term financing.
Absolutely. Once the property achieves target occupancy or income levels, you can refinance into a DSCR, conventional, or permanent commercial loan.
Yes. REIF Loans finances a variety of property types, including mixed-use, multifamily, retail, and industrial, provided there’s a clear improvement and exit strategy.
Whether you’re acquiring a vacant building, repositioning an existing property, or bridging to permanent debt, REIF Loans helps you secure the right financing at the right time.
Our investor-first approach ensures that every project receives the attention, structure, and capital it deserves to reach full value.
