Refinance with Private Capital
At Estates of Elysium, we work with developers, investors, and commercial property owners who need refinance solutions outside of traditional banking limitations. Whether you're aiming to lower your rate, avoid a balloon payment, restructure debt, or access equity—our private capital network offers speed, flexibility, and investor-focused terms.
About Refinance
Refinancing is a strategic way to improve loan terms, access equity, and strengthen your investment position. At Estates of Elysium, we help commercial real estate owners restructure existing debt with flexible private capital—whether to lower payments, avoid balloon maturities, or unlock cash for future projects. Our focus is on long-term value, not just short-term relief.
What We Look for in a Refinance Deal
We focus on the fundamentals to help secure the best possible structure for your refinance:
Net Operating Income (NOI)
The property's income performance is critical. Strong and steady NOI supports better refinance terms and opens up options like cash-out.Debt Service Coverage Ratio (DSCR)
Most private lenders look for a DSCR of at least 1.25, showing the property's ability to cover its debt. We also review the full story behind the numbers.Equity and Property Value
We assess the value of the asset and how much equity you hold. More equity typically means more leverage.Exit Strategy
We want to understand your long-term goals—whether you're planning to hold, sell, or reposition the asset after refinancing.Existing Loan Terms
We'll review your current loan structure, maturity timeline, and any balloon payments to determine where we can help improve your position.
Technology
Streamline your project with data-driven financing,
At Estates of Elysium, we specialize in connecting experienced sponsors with strategic capital partners through a curated, data-driven refinance process. Our goal is to help you restructure debt in a way that strengthens your portfolio, improves cash flow, and aligns with your future investment strategy — not just replace a loan.
Strategic Capital Placement
Our deep relationships with family offices, private equity groups, and institutional investors ensure that sponsors are paired with capital sources that match their vision, timeline, and risk profile.
Data-Driven Deal Positioning
Using current market intelligence, investor sentiment, and underwriting insights, we help sponsors position their deals for optimal equity placement.
Curated Matchmaking
We take time to understand each sponsor’s background, the strength of the project, and market fundamentals — then tailor a capital structure that works.
Efficient, Transparent Process
Our tech-enabled process streamlines documentation, keeps communication flowing, and gives sponsors real-time visibility into progress.
Refinance Terms We Offer
Each refinance deal is customized, but here are our general guidelines:
Loan Amounts: $500,000 to $1B
Loan Terms: Typically 1 to 10 years (short-term bridge and longer-term refinance options available)
Amortization: Interest-only or fully amortizing over 20–30 years
Interest Rates: Fixed or variable, usually starting around 8% depending on risk and deal profile
Loan-to-Value (LTV): Up to 80% of the current or stabilized value
Cash-Out Refinance: Available if equity and NOI support it
Closing Timeline: As fast as 10–21 days for qualified deals
Prepayment Options: Varies by lender—flexible structures available
Why Refinance Through Estates of Elysium?
Work with lenders who understand development timelines and investment strategy
Reposition or restructure your loan without the delays of institutional underwriting
Access equity for improvements, new acquisitions, or liquidity needs
Avoid or replace balloon payments with better long-term options
Custom deal structuring for multifamily, mixed-use, industrial, land, retail, hospitality, and more
Frequently Asked Questions
Answers to Your Refinance Questions
Q. Can I refinance if my property is underperforming?
A. Yes, depending on the asset and your exit strategy. While strong income helps, we also look at your equity position, market potential, and business plan. Some lenders offer interest-only or bridge refinance options even for distressed assets.
Q. Do I need perfect credit to qualify for private capital refinancing?
A. No. Private capital focuses more on the asset's performance and potential than on personal credit scores. That said, having a clear financial story helps in structuring better terms.
Q. How fast can you close a refinance deal?
A. We can close in as little as 10 to 21 business days once all required documents are submitted. Timelines depend on deal complexity and third-party reports like appraisals.
Q. Can I do a cash-out refinance on a commercial property?
A. Yes, if the income and equity support it. Many of our clients use cash-out refinancing to fund new acquisitions, capital improvements, or pay down higher-interest debt.
Resources
Article: Refinance Timing: Key Triggers in 2025's CRE Environment
Description: Explore triggers that suggest it's time to refinance—like rate drops, cash-out needs, loan maturity, or covenant limits—in today’s economic backdrop.
Best For: Borrowers seeking smart refinance timing strategies.