Acquisition Financing
Strategic Capital for Real Estate Acquisitions
Acquiring commercial real estate requires capital that moves at the pace of the transaction. Acquisition financing provides the debt structure needed to close on income-producing or transitional properties, whether the strategy is long-term yield, value-add repositioning, or portfolio expansion.
The right acquisition financing is not just about securing a loan. It is about matching the capital structure to the property’s current condition, the sponsor’s business plan, and the intended exit. Lenders evaluate each of these factors before committing, and sponsors who understand that evaluation process are consistently better positioned to close on competitive terms.
Key Highlights
Loan Size: $5 million to $50+ million
Loan-to-Value (LTV): Up to 75%
Terms: 2–10 years
Structures: Fixed or floating rates, interest-only options
Collateral: Income-producing or transitional commercial properties
Recourse: Non-recourse and partial recourse available
Property Types We Finance
Multifamily (market-rate and affordable)
Mixed-use
Industrial and logistics
Office (urban and suburban)
Retail (including grocery-anchored centers)
Hospitality (select-service and full-service)
Specialized assets on a case-by-case basis
How Lenders Evaluate Acquisition Financing Requests
Acquisition financing underwriting begins with the property but extends well beyond it. Lenders assess the current income and occupancy, the quality and stability of the tenant base, and whether the projected cash flow is sufficient to support the proposed debt. For value-add acquisitions, lenders underwrite the business plan itself, evaluating whether the repositioning assumptions are realistic, whether the sponsor has executed similar strategies before, and whether the market supports the projected rents and occupancy at stabilization.
Sponsor strength carries significant weight in acquisition financing. Lenders look at net worth and liquidity relative to the loan size, the sponsor’s track record with similar asset types and markets, and the overall quality of the capital stack. A well-structured deal with a credible sponsor and a clear business plan moves through underwriting more efficiently and typically achieves better terms than one where those elements are incomplete or uncertain.
Loan-to-value and debt service coverage are the primary sizing constraints. Lenders stress test value-add assumptions against current in-place income before underwriting to a pro forma. Understanding these constraints before approaching lenders allows sponsors to size the loan request accurately and avoid surprises during underwriting.
Our Approach
We understand that real estate acquisition opportunities often move fast. Our team evaluates each transaction holistically, considering sponsor strength, market dynamics, business plans, and capital stack efficiency. Whether you are buying a stabilized asset for long-term yield or a value-add property for repositioning, we work quickly to structure terms that match your strategy.
Sample Use Cases
Acquiring a stabilized multifamily portfolio with agency-exit potential
Purchasing a value-add office asset with planned repositioning
Quick-close industrial acquisition with future build-to-suit expansion
Retail center acquisition with minor tenant improvements and lease-ups
Why i95 Capital?
Deep network of lenders, banks, life companies, and private capital sources
Transparent guidance through term sheets, underwriting, and closing
Capital stack advisory, including preferred equity and mezzanine options
Fast, responsive deal execution and sponsor-first mentality
Ready to Fund Your Next Acquisition?
Let us discuss your upcoming transaction. Whether you are under contract or preparing to make an offer, we will help you secure the right financing to close with confidence.
