LONG-TERM LOANS

Long-Term Commercial Real Estate Loans

Stone Oak Capital Group provides long-term financing solutions for stabilized commercial real estate and non-owner-occupied investment properties. Through our network of banks, life insurance companies, CMBS lenders, agency lenders, and institutional capital partners, we arrange competitive permanent financing tailored to each borrower's investment objectives.

Our long-term loan programs are ideal for experienced real estate investors, owners, and developers seeking lower monthly payments, competitive interest rates, and long-term financing stability. Whether financing an acquisition, refinancing existing debt, funding capital improvements, or facilitating a partnership buyout, our team structures customized financing solutions designed to support your long-term investment strategy.

Many of our programs offer fixed-rate financing, interest-only payment options, and fully amortizing loan structures, helping investors maximize cash flow while eliminating near-term refinancing risk.

Long-Term Loan Highlights

  • Loan Amounts: $1,000,000 to $100,000,000+

  • Interest Rates: Starting at SOFR + 2.50%

  • Loan Terms: 5, 7, 10, and up to 30-year financing options

  • Interest-Only: Available for up to 10 years on qualified transactions

  • Purpose: Acquisition, Refinance, Partner Buyouts, Cash-Out Refinancing, and Property Improvements

  • Leverage: Up to 75% Loan-to-Value (LTV)

  • Recourse and Non-Recourse options available, depending on the loan program

Eligible Property Types

Stone Oak Capital Group provides permanent financing for a broad range of commercial and investment properties, including:

  • Single-Family Rental Portfolios

  • Condominiums

  • 2–4 Unit Residential Investment Properties

  • Multifamily (5+ Units)

  • Mixed-Use

  • Office

  • Retail

  • Industrial

  • Warehouse & Distribution

  • Self-Storage

  • Hospitality

  • Manufactured Housing Communities

  • Build-to-Rent Communities

  • Other Commercial Real Estate Assets

Whether you're acquiring a stabilized asset, refinancing existing debt, or optimizing your property's long-term capital structure, Stone Oak Capital Group delivers customized financing solutions backed by competitive terms, reliable execution, and access to a nationwide network of institutional capital providers.