Finance or refinance office buildings with flexible DSCR loans. Analyze rent rolls, WALT, and reserves to structure the perfect commercial loan solution.
At REIF Loans, we specialize in financing office buildings and professional spaces for investors, developers, and owner-operators.
Our office loan programs provide DSCR-based qualification, flexible terms, and refinancing solutions for stabilized or value-add office assets.
Whether you’re acquiring, repositioning, or refinancing an office property, our team delivers structured financing that fits your investment strategy and market conditions.
Office building loans are commercial real estate financing programs designed for single-tenant or multi-tenant office properties.
These loans focus on the property’s income potential, lease structure, and tenant stability rather than the borrower’s personal income.
These programs provide investors with reliable capital to optimize returns and manage tenant transitions effectively.
Whether your property is stabilized with long-term tenants or undergoing upgrades, REIF Loans offers flexible office refinance solutions tailored to your cash flow and timeline.
Access built-up equity to fund tenant improvements, capital expenditures, or new acquisitions.
Lower your interest rate, extend amortization, or improve DSCR for stronger long-term performance.
Transition from short-term or maturing debt into stable, fixed-rate commercial financing.
Combine multiple office loans into a single structure to simplify management and improve leverage.
Our DSCR office loans focus on the property’s income strength rather than personal financials ideal for investors managing multiple assets or holding entities.
The Debt Service Coverage Ratio (DSCR) compares net operating income (NOI) to annual debt payments:
DSCR = NOI divided by Debt Service
A ratio of 1.25x or higher demonstrates healthy cash flow and qualifies for favorable terms.
While each program varies, most office building loans are underwritten with attention to occupancy, lease health, and property value.
For fully leased, income-producing office properties with predictable cash flow.
Designed for properties undergoing tenant turnover, renovations, or lease-up phases.
Support business owners purchasing or refinancing their own operational headquarters.
Leverage equity for improvements, debt consolidation, or portfolio expansion.
Simplify underwriting by focusing on property performance instead of borrower income.
Yes. REIF Loans offers bridge and transitional programs for properties with short-term vacancies or turnover in progress.
Most lenders require a DSCR of 1.25x or higher, though transitional properties may qualify with lower ratios if there’s a clear lease-up plan.
A longer Weighted Average Lease Term (WALT) signals stable income, often resulting in better rates and higher leverage.
Common documents include rent roll, lease agreements, T-12 financials, and operating statements showing income and expenses.
Yes, many lenders require reserves for maintenance, tenant improvements, or leasing commissions, depending on property condition.
Whether you’re purchasing, refinancing, or repositioning an office asset, REIF Loans provides commercial financing solutions that fit your property and strategy.
Our investor-first approach ensures transparent guidance, fast closings, and structured terms designed for lasting success.
