Industrial Property Loans & Warehouse Financing | REIF Loans
Finance or refinance warehouses and industrial properties with DSCR-based loans. Flexible terms for light industrial, logistics, and distribution investments.
Industrial Property Loans for Warehouses and Distribution Assets
At REIF Loans, we provide industrial property loans designed to help investors and developers finance warehouses, light industrial buildings, and logistics centers.
Our lending programs support both acquisition and refinance strategies, offering flexible terms, DSCR-based underwriting, and customized structures that align with your operational goals.
Whether you’re expanding your industrial portfolio, repositioning a property, or refinancing for better terms, REIF Loans helps you secure the capital you need with clarity and confidence.
What Are Industrial Property Loans?
Industrial property loans are commercial real estate loans that finance properties used for manufacturing, storage, or logistics purposes.
They’re ideal for investors, developers, and business owners who manage or lease warehouses, light industrial buildings, and distribution centers.
Typical loan structures include:
- Acquisition or refinance loans for owner-user or investment properties
- Bridge financing for value-add or transitional assets
- DSCR-based underwriting focused on property cash flow
- Fixed, floating, or hybrid interest rate options
- Loan terms from 5 to 30 years depending on property type
These loans prioritize income-producing potential and tenant stability, rather than personal financials.
Warehouse Loan Programs for Investors and Operators
A warehouse loan provides flexible capital for purchasing, refinancing, or expanding storage and logistics properties.
REIF Loans structures warehouse financing around occupancy, lease terms, and long-term investment goals.
Stabilized Warehouse Loans
For fully leased, income-generating assets with predictable tenant income.
Bridge Warehouse Financing
Short-term loans for repositioning or improving underutilized properties before refinancing into long-term structures.
Owner-Occupied Warehouse Loans
Designed for businesses seeking to acquire or refinance their operational facilities with competitive fixed rates.
Portfolio Refinance Solutions
Combine multiple warehouse or industrial assets into a single, efficient financing structure.
DSCR Industrial Loans and Cash Flow-Based Qualification
Our DSCR industrial loans simplify qualification by focusing on property income and operational strength instead of tax returns or personal income verification.
Understanding DSCR for Industrial Properties
DSCR (Debt Service Coverage Ratio) = Net Operating Income divided by Annual Debt Payments
A ratio of 1.25x or greater typically qualifies for favorable rates, signaling strong property cash flow.
Benefits of DSCR Industrial Loans:
- Faster approvals and simplified underwriting
- Ideal for leased or income-producing industrial assets
- Works for single-tenant and multi-tenant structures
- Long-term amortization options for improved cash flow
Industrial Property Loan Requirements and Terms
Lenders evaluate property performance, occupancy, and lease structure to determine eligibility and pricing for industrial loans.
Typical qualification criteria include:
- Credit Score: 660+ (700+ preferred)
- LTV: Up to 75% for stabilized properties
- DSCR: Minimum 1.20–1.30 depending on asset type
- Occupancy: 80–100% preferred for long-term loans
- Tenant Type: National, regional, or stable local operators preferred
- Lease Term: 3–10 years with renewal options
- Loan Term: 5–30 years, fixed or hybrid structures available
We work closely with investors and operators to match the right financing structure to each property’s needs.
Types of Industrial Property Loans We Offer
Stabilized Industrial Loans
For fully leased warehouses or manufacturing spaces with consistent income streams.
Transitional and Value-Add Loans
Finance capital improvements, lease-up efforts, or re-tenanting projects for underperforming properties.
Bridge to DSCR Industrial Loans
Bridge short-term capital into permanent DSCR-based financing once occupancy stabilizes.
Owner-User Industrial Loans
Ideal for companies seeking to own and operate their facilities while building long-term equity.
Portfolio Refinance Loans
Consolidate multiple industrial or logistics properties for improved management and scalability.
Frequently Asked Questions About Industrial Property Loans
Can I finance both owner-occupied and investment industrial properties?
Yes. REIF Loans offers programs for both investor-owned and owner-user facilities, including warehouses, manufacturing, and logistics assets.
What DSCR is required for industrial loans?
Most lenders require a minimum DSCR of 1.25x, but transitional or bridge options are available for lower ratios with clear improvement plans.
Do industrial properties qualify for long-term fixed-rate financing?
Yes. Many stabilized industrial assets qualify for fixed-rate terms up to 30 years, providing predictable long-term costs.
What documents are needed to apply?
Lenders typically require a rent roll, T-12 financials, lease agreements, and a recent property appraisal.
Can I finance both single-tenant and multi-tenant retail properties?
Yes. Transitional and bridge loan programs are available to stabilize the asset before moving into permanent DSCR financing.
Ready to Finance or Refinance Your Industrial Property?
Whether you’re expanding a warehouse portfolio, acquiring light industrial space, or refinancing a logistics facility, REIF Loans delivers structured financing built for scalability.
Our DSCR-based programs, expert advisors, and transparent process ensure fast closings and long-term financial stability.