Retail property and shopping center loans with DSCR-based qualification. Finance single-tenant net lease or multi-tenant retail centers with flexible terms.
At REIF Loans, we provide retail property loans designed for both single-tenant and multi-tenant investors.
Whether you’re financing a shopping center, a net-lease property, or a mixed-use retail asset, our programs deliver flexible terms and DSCR-based qualification to support your long-term investment goals.
We help investors acquire, refinance, or reposition retail properties with fast underwriting and clear strategies that match today’s market realities.
Retail property loans are commercial real estate loans designed to finance properties leased to businesses such as retailers, restaurants, and service providers.
These loans can fund single-tenant net lease investments or larger shopping centers with multiple tenants.
Retail financing allows investors to manage properties that generate consistent rent from long-term business leases.
A shopping center loan helps investors acquire or refinance multi-tenant retail properties such as strip centers, plazas, or anchored shopping hubs.
At REIF Loans, we structure financing around your property’s income, lease profile, and market position
Ideal for properties with established tenants and predictable rental income.
Perfect for assets undergoing renovations, re-tenanting, or repositioning for higher market rent.
Short-term financing to acquire or stabilize a retail property before converting to a long-term DSCR structure.
Consolidate multiple shopping centers into one efficient loan for simplified management and better leverage.
Single tenant net lease (NNN) investments offer stable, long-term cash flow with minimal management responsibility. REIF Loans provides financing tailored for these properties and their predictable lease structures.
These loans are ideal for properties leased to national brands such as pharmacies, fast food chains, or service retailers.
Our DSCR retail loans prioritize property cash flow and lease performance instead of personal income or tax returns.
DSCR (Debt Service Coverage Ratio) = Net Operating Income divided by Annual Loan Payments
For retail financing, a DSCR of 1.25x or higher is typically required, showing that the property earns at least 25% more than its debt obligations.
Retail loan qualification is based primarily on asset performance, lease stability, and market strength.
We help you structure financing that fits your property type, market, and investment goals.
Yes. REIF Loans offers customized solutions for both NNN single-tenant and multi-tenant shopping center investments.
Most lenders require a minimum DSCR of 1.25x, but we offer flexible programs for transitional or partially leased properties.
You’ll typically need a rent roll, T-12 financials, and tenant lease agreements. Additional documents may include appraisals and tax statements.
Yes. Bridge or value-add retail loan programs are available for properties in lease-up or repositioning stages.
Whether you’re investing in a single-tenant NNN property or a multi-tenant shopping center, REIF Loans delivers flexible retail financing built for performance.
Our DSCR-based programs, expert advisors, and streamlined process help you secure competitive rates and structure long-term success.
