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Commercial Real Estate Financing

Kendalwood Properties LLC, in partnership with South End Capital, a Division of Stearns Bank, offers flexible financing solutions for commercial real estate investors and business owners nationwide.

We finance raw land, multifamily, mixed-use, office, retail, industrial, warehouse, agricultural, churches, and many other commercial property types.

No-Doc Commercial Real Estate Loans

Loan Amounts: $50,000 – $500,000

Our No-Doc Loan Program is designed for borrowers who want a fast, streamlined financing process without the burden of traditional income documentation.

Program Highlights

  • Loan amounts from $50,000 to $500,000

  • Up to 50% Loan-to-Value (LTV)

  • Purchase, refinance, and cash-out refinance

  • No tax returns

  • No income verification

  • No business financials

  • Eligible Assets: Raw land, agricultural land, rural land, office buildings, retail centers, warehouses, industrial buildings, mixed-use properties, flex space, apartment buildings, houses of worship, nonprofit-owned properties, self-storage, auto service properties, medical office buildings, professional office buildings, business-purpose residential investment properties, and short-term rental (Airbnb/VRBO) properties.

  • 5-year term with 25-year amortization

  • Fixed and variable rate options available. Rates start 9.25% on LAND LOANS and start at 8.75% for other assets.

  • Available in all 50 states

  • Closing typically in 2–3 weeks

Typical Requirements

  • Simple one-page application

  • Current property photos

  • Minimum 690+ guarantor credit score

  • Property must qualify under program guidelines

Full-Doc Commercial Real Estate Loans

Loan Amounts: $500,000 – $1,000,000

Our Full-Doc program provides higher loan amounts while requiring only limited financial documentation, making it an excellent alternative to traditional bank financing.

Eligible Assets: Raw land, agricultural land, rural land, office buildings, retail centers, warehouses, industrial buildings, mixed-use properties, flex space, apartment buildings, houses of worship, nonprofit-owned properties, self-storage, auto service properties, medical office buildings, professional office buildings, business-purpose residential investment properties, and short-term rental (Airbnb/VRBO) properties.

Program Highlights

  • Loan amounts from $500,000 to $1,000,000

  • Up to 50% Loan-to-Value (LTV)

  • Purchase, refinance, and cash-out refinance

  • 5-year term with 25-year amortization

  • Nationwide lending

Typical Documentation

  • One-page loan application

  • Property photos

  • Third-party appraisal

  • Personal Financial Statement

  • Bank statements

  • Liquidity equal to approximately 20% of the loan amount

  • Net worth of approximately 4× the loan amount

Need More Than $1 Million?

Through our lending network, we also arrange full-documentation commercial real estate loans from $1 million to $20 million+ for qualified borrowers.

Programs include:

  • Commercial Bridge Loans

  • Land Loans

  • Multifamily Financing

  • Construction Financing

  • Investment Property Loans

  • Owner-Occupied Commercial Loans

  • Cash-Out Refinancing

  • Acquisition Financing

Every transaction is evaluated individually to structure the financing solution that best meets your investment goals.