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Capital Sources

The supply and demand of capital is continuously changing, and the markets to access it are constantly evolving.

Knowing where to find the best terms requires staying in constant contact with lenders. Gimbert Realty Capital’s reputation and credibility among lenders—global, national, and local—allows us to keep our finger on the pulse of the capital markets. Let us put our relationships to work for you.

Click on any of our capital sources to learn more.

Life Insurance Companies

Gimbert Realty Capital maintains relationships with over 30 life insurance companies that are actively lending on commercial real estate in the Mid-Atlantic region.

Gimbert serves as a Proprietary Correspondent (a regional originator/servicer) for the following life companies:

AEGON USA Realty Advisors
RiverSource Investments, LLC (Ameriprise Financial)
Members Capital Advisors (CUNA Mutual Life)
Minnesota Life Insurance Company
OneAmerica (American United Life)
Sentinel/National Life (Sentinel Asset Mgmt)
Genworth Financial
Standard Insurance Company (StanCorp Mortgage)
State Farm Life Insurance Company
Symetra Financial

CMBS Conduits

Gimbert Realty Capital been placing conduit loans with CMBS lenders since they first arrived on the market nearly three decades ago. From our experience with securitized loans, we know that not all CMBS Conduits are the same. Knowing each conduit’s lending parameters and their differentiating factors are essential to finding the structure that best suites the needs of our clients.

Multifamily Agency Debt

Gimbert Realty Capital has expanded its sources of capital to include Agency/GSE loans on multifamily properties.

Gimbert Realty Capital is a loan originator for one of the most respected Fannie Mae DUS / Freddie Mac Seller-Servicer lenders in the country. This partnership provides our clients access to the full suite of agency debt products and a direct channel to underwriting & credit. The agency quotes we provide have no additional fees included or hidden premiums built into the interest rate.

Agency Lending Parameters

Funding Sources: Fannie Mae / Freddie Mac / HUD
Loan Amount: $2,000,000+
Loan Terms: 5, 7, 10, 12, and 15
Asset Types: Multifamily, Student Housing, Senior Housing, MHP
Recourse: Non-Recourse
Loan to Value: Maximum 80%
DSCR Requirement: Minimum 1.20x
Amortization: 30 years. Interest-Only terms available.
Interest Rate: Fixed Rate – Treasury based pricing / Floating Rate – LIBOR based pricing
Broker Fees: None
Exit Fee: None
Reserves: Replacement Reserves, Taxes, Insurance
Prepayment: Yield Maintenance or Defeasance

Agency Debt Products

Fannie Mae Freddie Mac HUD / FHA
Fannie Mae Conventional Freddie Mac Fixed Rate Conventional HUD 223(f)
Fannie Mae Supplemental Freddie Mac Supplemental HUD Lean 231
Fannie Mae Structured ARM Freddie Mac Adjustable-Rate Mortgage (ARM) HUD 223(a)7
Fannie Mae ARM™ 7-6TM Capped Adjustable Rate Mortgage Freddie Mac Embedded Cap ARM HUD 221(d)4
Fannie Mae Affordable Housing Freddie Mac Mezzanine Financing HUD LEAN 232
Fannie Mae Manufactured Housing Freddie Mac Student Housing HUD LEAN 232/223(a)(7)
Fannie Mae Student Housing Freddie Mac Senior Housing HUD 241(a)
Fannie Mae Senior Housing Freddie Mac Small Balance Loan HUD 232/241(a)

Commercial Banks

Regional & National Banks

Gimbert Realty Capital maintains strong relationships with national and regional banks looking to deploy capital for construction, bridge, mini-perm, and permanent loans. Gimbert Realty Capital can survey the entire market to find the best terms available.

Non-Regional Banks

Gimbert Realty Capital provides access to several commercial banks that are looking for opportunities to make loans in Maryland, Virginia, and the District of Columbia, but do not maintain office locations here.

Specialty Lenders

  • Pension Funds
  • Bridge Lenders
  • Mezzanine Lenders
  • CTL (Credit Tenant Lease) Financing