Steve Muehler - Real Estate Loans Originates, Underwrites and Services Commercial Real Estate Loans for Office Properties. Steve Muehler - Real Estate Loans offers Flexible Solutions for Financing of Commercial Office Properties, using a “common sense approach of financing that allows Steve Muehler - Real Estate Loans to offer flexible Real Estate Financing options to meet the unique needs of Real Estate Investors in today’s market.”

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Steve Muehler - Real Estate Loans’ Commercial Real Estate Financing Program is an excellent alternative because Steve Muehler - Real Estate Loans focuses on the “Value of the Property” and its “Revenue Generating Potential”, thus eliminating the personal income reporting requirements of traditional loan.

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OFFICE LOANS (Conventional):

  • Financing Amount:

    • Minimum: $1,000,000 USD

    • Maximum: Unlimited

  • Locations:

    • United States (all 50 States)

  • Maximum Loan To "As-Is Value":

    • 80% (up to 85% possible)

  • Loan Terms:

    • 3 to 15 years

  • Amortization

    • 15 to 30 years​

  • Debt Service Ration:

    • 1.25 to 1.55

  • Lender Fee:

    • 1% to 3% of the Loan Amount Deducted from Loan Proceeds or Paid by the Borrower at time of Loan Closing. 

  • Loan Types:

    • Purchase

    • Rate & Term Refinance

    • Cash-out Refinance (cash-out must be used for business purposes).

    • Construction  (more info below)​​

  • Recourse:

    • Non-Recourse;

    • Limited Recourse; and

    • Full Recourse options

  • Current Rates (updated weekly):​

    • 3YR:     2.42% to 4.17%​

    • 5YR:     2.61% to 4.36%

    • 7YR:     2.90% to 4.65%

    • 10YR:   3.18% to 4.93%

    • 15YR:   3.68% to 5.93%​

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  • Prepay Penalty Structures:

    • Yield Maintenance;

    • Breakfunding;

    • Declining (step-down) prepay penalty; or

    • Specialty Structured

  • Upfront Cost:

    • Borrower to obtain a Commercial MAI Appraisal of the Subject Property.

    • Steve Muehler - Real Estate Loans does not have any upfront costs / fees / expenses. 

  • Borrower Financials:

    • Refinances

      • Un-Audited Financial Statements consisting of (at a minimum): Balance Sheet and Profit & Loss Statement

    • Purchase:

      • Complete Business Plan with a Five Year Financial Proforma Statement.

    • Construction:

      • Complete Business Plan with a Five Year Financial Proforma Statement, and a Complete Construction Budget.

  • Applications from the following are accepted:

    • A Principal Member of the Borrowing Entity;​

    • A Mortgage Broker actively registered with the NMLS;

    • An attorney representing the Borrower; and/or

    • A Registered Financial Advisor (FINRA / SEC) representing the Borrower.

    • No unregistered broker submissions will be reviewed or considered under any circumstances. 

OFFICE LOANS (CMBS & 144A):

  • Financing Amount:

    • Minimum: $2,000,000 USD

    • Maximum: Unlimited

  • Locations:

    • United States (all 50 States) & Canada

  • Maximum Loan To "As-Is Value" or "As-Completed" Value:

    • 75%

  • Loan Terms:

    • 5 to 10 years

  • Amortization

    • 20 to 30 years​

  • Debt Service Ration:

    • 1.25 

  • Lender Fee:

    • 2% to 5% of the Loan Amount Deducted from Loan Proceeds or Paid by the Borrower at time of Loan Closing. 

  • Loan Types:

    • Purchase

    • Rate & Term Refinance

    • Cash-out Refinance (cash-out must be used for business purposes).

    • Construction  (more info below)​​

  • Recourse:

    • Non-Recourse with "Bad Boy Carve Outs"

  • Current Rates (updated weekly):​​

    • 5YR:     2.36% to 3.86%

    • 7YR:     2.50% to 4.00%

    • 10YR:   2.64% to 4.14%

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  • Prepay Penalty Structures:

    • Yield Maintenance; and

    • Defeasance

  • Upfront Cost:

    • Borrower to obtain a Commercial MAI Appraisal of the Subject Property.

    • Steve Muehler - Real Estate Loans does not have any upfront costs / fees / expenses. 

  • Borrower Financials:

    • Refinances

      • Un-Audited Financial Statements consisting of (at a minimum): Balance Sheet and Profit & Loss Statement

    • Purchase:

      • Complete Business Plan with a Five Year Financial Proforma Statement.

    • Construction:

      • Complete Business Plan with a Five Year Financial Proforma Statement, and a Complete Construction Budget.

  • Applications from the following are accepted:

    • A Principal Member of the Borrowing Entity;​

    • A Mortgage Broker actively registered with the NMLS;

    • An attorney representing the Borrower; and/or

    • A Registered Financial Advisor (FINRA / SEC) representing the Borrower.

    • No unregistered broker submissions will be reviewed or considered under any circumstances. 

OFFICE LOANS (Insurance Co.):

  • Financing Amount:

    • Minimum: $5,000,000 USD

    • Maximum: Unlimited

  • Locations:

    • United States (all 50 States) & Canada

  • Maximum Loan To "As-Is Value":

    • 60% to 75%

  • Loan Terms:

    • 5 to 30 years

  • Amortization

    • 15 to 30 years​

  • Debt Service Ration:

    • 1.25 to 1.35

  • Lender Fee:

    • 2% to 5% of the Loan Amount Deducted from Loan Proceeds or Paid by the Borrower at time of Loan Closing. 

  • Loan Types:

    • Purchase

    • Rate & Term Refinance

    • Cash-out Refinance (cash-out must be used for business purposes).

    • Construction  (more info below)​​

  • Recourse:

    • Non-Recourse;

    • Limited Recourse; or

    • Full Recourse

  • Current Rates (updated weekly):​​

    • 5YR:     2.11% to 3.86%

    • 7YR:     2.40% to 4.15%

    • 10YR:   2.68% to 4.43%

    • 20/30RY:  3.45% to 5.20%

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  • Prepay Penalty Structures:

    • Yield Maintenance; 

    • Breakfunding; or

    • Declining (Step Down) Prepay

  • Upfront Cost:

    • Borrower to obtain a Commercial MAI Appraisal of the Subject Property.

    • Steve Muehler - Real Estate Loans does not have any upfront costs / fees / expenses. 

  • Borrower Financials:

    • Refinances

      • Un-Audited Financial Statements consisting of (at a minimum): Balance Sheet and Profit & Loss Statement

    • Purchase:

      • Complete Business Plan with a Five Year Financial Proforma Statement.

    • Construction:

      • Complete Business Plan with a Five Year Financial Proforma Statement, and a Complete Construction Budget.

  • Applications from the following are accepted:

    • A Principal Member of the Borrowing Entity;​

    • A Mortgage Broker actively registered with the NMLS;

    • An attorney representing the Borrower; and/or

    • A Registered Financial Advisor (FINRA / SEC) representing the Borrower.

    • No unregistered broker submissions will be reviewed or considered under any circumstances. 

Key Contact:

STEVE MUEHLER - REAL ESTATE LOANS

1055 West 7th Street

Los Angeles, California 90177

Phone: (877) 259-8066

Email: Steve@SteveMuehler.com

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OFFICE LOANS (FHA / HUD):

  • Financing Amount:

    • Minimum: $5,000,000 USD

    • Maximum: Unlimited

  • Locations:

    • United States (all 50 States) 

  • Maximum Loan To "As-Is Value":

    • 83.3%

  • Loan Terms:

    • 30 to 40 years

  • Amortization

    • 30 to 40 years​

  • Debt Service Ration:

    • 1.15 to 1.20

  • Lender Fee:

    • 2% to 3% of the Loan Amount Deducted from Loan Proceeds or Paid by the Borrower at time of Loan Closing. 

  • Loan Types:

    • Purchase

    • Rate & Term Refinance

    • Cash-out Refinance (cash-out must be used for business purposes).

    • Construction  (more info below)​​

  • Recourse:

    • Non-Recourse with Bad Boy Carve Outs

  • Current Rates (updated weekly):​​

    • 30YR:    2.04% to 3.54%

    • 40YR:    2.44% to 3.94%

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  • Prepay Penalty Structures:​

    • Declining (Step Down) Prepay

  • Upfront Cost:

    • Borrower to obtain a Commercial MAI Appraisal of the Subject Property that is in strict compliance with Commercial FHA Guidelines.

    • Steve Muehler - Real Estate Loans does not have any upfront costs / fees / expenses. 

  • Borrower Financials:

    • Refinances

      • Un-Audited Financial Statements consisting of (at a minimum): Balance Sheet and Profit & Loss Statement

    • Purchase:

      • Complete Business Plan with a Five Year Financial Proforma Statement.

    • Construction:

      • Complete Business Plan with a Five Year Financial Proforma Statement, and a Complete Construction Budget.

  • Applications from the following are accepted:

    • A Principal Member of the Borrowing Entity;​

    • A Mortgage Broker actively registered with the NMLS;

    • An attorney representing the Borrower; and/or

    • A Registered Financial Advisor (FINRA / SEC) representing the Borrower.

    • No unregistered broker submissions will be reviewed or considered under any circumstances. 

OFFICE LOANS (SBA Loans):

  • Financing Amount:

    • Minimum: $1,000,000 USD

  • ​Locations:

    • ​United States (all 50 States)

  • Maximum Loan To "As-Is Value":

    • 85% to 90%

  • Loan Terms:

    • 5 to 15 years

  • Amortization

    • 15 to 30 years​

  • Debt Service Ration:

    • 1.15 to 1.20

  • Lender Fee:

    • 2% to 3% of the Loan Amount Deducted from Loan Proceeds or Paid by the Borrower at time of Loan Closing. 

  • Loan Types:

    • Purchase

    • Rate & Term Refinance

    • Cash-out Refinance (cash-out must be used for business purposes).

    • Construction (up to 80% of Costs)

  • Recourse:

    • Full Recourse

  • Current Rates (updated weekly):​​

    • 30YR:    2.04% to 3.54%

    • 40YR:    2.44% to 3.94%

​

  • Prepay Penalty Structures:​

    • Varying Structures

  • Upfront Cost:

    • Borrower to obtain a Commercial MAI Appraisal of the Subject Property that is in strict compliance with Commercial SBA Guidelines.

    • Steve Muehler - Real Estate Loans does not have any upfront costs / fees / expenses. 

  • Borrower Financials:

    • Refinances

      • Un-Audited Financial Statements consisting of (at a minimum): Balance Sheet and Profit & Loss Statement

    • Purchase:

      • Complete Business Plan with a Five Year Financial Proforma Statement.

    • Construction:

      • Complete Business Plan with a Five Year Financial Proforma Statement, and a Complete Construction Budget.

  • Applications from the following are accepted:

    • A Principal Member of the Borrowing Entity;​

    • A Mortgage Broker actively registered with the NMLS;

    • An attorney representing the Borrower; and/or

    • A Registered Financial Advisor (FINRA / SEC) representing the Borrower.

    • No unregistered broker submissions will be reviewed or considered under any circumstances. 

OFFICE LOANS (Construction Loans):

  • Financing Amount:

    • Minimum: $1,000,000 USD

  • ​Locations:

    • ​United States (all 50 States) & Canada

  • Maximum Loan To Cost:

    • 85% to 90% of Cost

  • Loan Terms:

    • 12 Months to 36 Months

  • Amortization

    • Interest Only

  • Take Out Loan:

    • Must be Approved by PPM

  • Lender Fee:

    • 3% to 5% of the Loan Amount Deducted from Loan Proceeds or Paid by the Borrower at time of Loan Closing. 

  • Loan Types:​

    • Construction

    • Renovation

    • New Development

  • Recourse:

    • Non-Recourse

    • Asset Pledge

  • Current Rates (updated weekly):​​

    • 1YR:    5.00% to 8.75%

    • 2YR:    5.00% to 9.25%

    • 3RY:    5.10% to 9.75%

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  • Prepay Penalty Structures:​

    • Varying Structures

  • Upfront Cost:

    • Borrower to obtain a Commercial MAI Appraisal consisting of the below three items (all three are mandatory):

      • "As-Is" value​

      • "As-Completed" value

      • Rental Market Analysis in the improved condition. 

    • Steve Muehler - Real Estate Loans does not have any upfront costs / fees / expenses. 

  • Borrower Financials:

    • Refinances

      • Un-Audited Financial Statements consisting of (at a minimum): Balance Sheet and Profit & Loss Statement

    • Purchase:

      • Complete Business Plan with a Five Year Financial Proforma Statement.

    • Construction:

      • Complete Business Plan with a Five Year Financial Proforma Statement, and a Complete Construction Budget.

  • Applications from the following are accepted:

    • A Principal Member of the Borrowing Entity;​

    • A Mortgage Broker actively registered with the NMLS;

    • An attorney representing the Borrower; and/or

    • A Registered Financial Advisor (FINRA / SEC) representing the Borrower.

    • No unregistered broker submissions will be reviewed or considered under any circumstances. 

OFFICE LOANS (Bridge Loans):

  • Financing Amount:

    • Minimum: $3,000,000 USD

  • ​Locations:

    • ​United States (all 50 States)

  • Maximum Loan To "As-Is Value":

    • 75%

  • Loan Terms:

    • 1 to 3 years

  • Amortization

    • Interest Only

  • Debt Service Ration:

    • 1.10 to 1.25

  • Lender Fee:

    • 3% to 5% of the Loan Amount Deducted from Loan Proceeds or Paid by the Borrower at time of Loan Closing. 

  • Loan Types:

    • Purchase

    • Cash-out Refinance (cash-out must be used for business purposes).

    • Construction 

  • Recourse:

    • Varying Types of Recourse

  • Current Rates (updated weekly):​​

    • 1YR:     4.75% to 11.25%

    • 2YR:     5.25% to 12.25%

    • 3YR:     5.75% to 13.25%

​

  • Prepay Penalty Structures:​

    • Varying Structures

  • Upfront Cost:

    • Borrower to obtain a Commercial MAI Appraisal.

    • Steve Muehler - Real Estate Loans does not have any upfront costs / fees / expenses. 

  • Borrower Financials:

    • Refinances

      • Un-Audited Financial Statements consisting of (at a minimum): Balance Sheet and Profit & Loss Statement

    • Purchase:

      • Complete Business Plan with a Five Year Financial Proforma Statement.

    • Construction:

      • Complete Business Plan with a Five Year Financial Proforma Statement, and a Complete Construction Budget.

  • Applications from the following are accepted:

    • A Principal Member of the Borrowing Entity;​

    • A Mortgage Broker actively registered with the NMLS;

    • An attorney representing the Borrower; and/or

    • A Registered Financial Advisor (FINRA / SEC) representing the Borrower.

    • No unregistered broker submissions will be reviewed or considered under any circumstances. 

OFFICE LOANS (Mezzanine Loans):

  • Financing Amount:

    • Minimum: $1,000,000 USD

  • ​Locations:

    • ​United States (all 50 States)

  • Maximum Loan To "As-Is Value":

    • 75%

  • Loan Terms:

    • 5 to 7 years

  • Amortization

    • Interest Only

  • Debt Service Ration:

    • 1.10 to 1.25

  • Lender Fee:

    • 3% to 4% of the Loan Amount Deducted from Loan Proceeds or Paid by the Borrower at time of Loan Closing. 

  • Loan Types:

    • Purchase

    • Refinance

    • Cash-out Refinance (cash-out must be used for business purposes).

  • Recourse:

    • 100% Pledge of all Securities of the Borrowing Entity

  • Current Rates (updated weekly):​​

    • 5YR:     4.35% to 7.35%

    • 7YR:     5.00% to 8.00%

    • 10YR:   5.65% to 8.65%

​

  • Prepay Penalty Structures:​

    • Varying Structures

  • Upfront Cost:

    • Borrower to obtain a Commercial MAI Appraisal.

    • Steve Muehler - Real Estate Loans does not have any upfront costs / fees / expenses. 

  • Borrower Financials:

    • Refinances

      • Un-Audited Financial Statements consisting of (at a minimum): Balance Sheet and Profit & Loss Statement

    • Purchase:

      • Complete Business Plan with a Five Year Financial Proforma Statement.

    • Construction:

      • Complete Business Plan with a Five Year Financial Proforma Statement, and a Complete Construction Budget.

  • Applications from the following are accepted:

    • A Principal Member of the Borrowing Entity;​

    • A Mortgage Broker actively registered with the NMLS;

    • An attorney representing the Borrower; and/or

    • A Registered Financial Advisor (FINRA / SEC) representing the Borrower.

    • No unregistered broker submissions will be reviewed or considered under any circumstances. 

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Steve Muehler - Real Estate Loans, is a Public & Private Real Estate Debt Underwriter and an Investor Relations Firm. Steve Muehler - Real Estate Loans does not offer, and does not offer to provide any broker dealer or market maker services. Steve Muehler - Real Estate Loans operate this website (referred to as the “Website”). By accessing this Website and any pages thereof, you agree to be bound by its Terms of Use and Privacy Policy. Past performance is no guarantee of future results. Any historical returns, expected returns, or probability projections may not reflect actual future performance. Steve Muehler - Real Estate Loans, and/or any of its members, do not provide financial planning services. Steve Muehler - Real Estate Loans, and/or any of its members, do not provide tax advice and do not represent in any manner that any of the outcomes described herein will result in any particular tax consequence. Steve Muehler - Real Estate Loans borrowers, lenders & investors should conduct their own due diligence, not rely on the financial assumptions or estimates displayed on this Website, and are encouraged to consult with their own financial advisor, attorney, accountant, and any other professional that can help you / them to understand and assess the risks associated with any Debt Lending / Investment Opportunity.

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© 2019 - 2021 by Steve Muehler