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Commercial Real Estate Financing

Pursuing your commercial real estate ownership goals

Commercial Real Estate Financing image

To help you pursue your commercial real estate ownership goals, your private wealth manager can refer you to a Bank of America credit executive who will draw upon these strengths: regional knowledge of the real estate market, expertise in wealth management and the extensive resources of a leading financial institution.

At Bank of America, we view borrowing for the purchase of investment real estate as a strategic wealth management tool. Bank of America can assist high-net-worth clients looking to diversify their balance sheet or investment portfolio. Bank of America can offer access to financing for a variety of commercial investment real estate properties, including but not limited to:

  • Apartments (non-owner occupied)
  • Farm, ranch and timberland
  • Industrial properties
  • Office buildings
  • Retail centers
  • Owner occupied commercial real estate

Investing in real estate may enhance your overall wealth management strategy through:

Diversification 1 — Investment in real estate can contribute to a well-balanced, diversified strategy because its performance is often not correlated to the equity markets.

Cash flow — Real estate investments can help create a stable cash flow source for retirement and other needs.

Favorable tax treatment 2 — Taxpayers who itemize deductions may be able to deduct investment interest when the loan is used to purchase property held for investment.

Customized Financing Options and Risk Management

Bank of America's underwriting sophistication and capabilities can create financing based on your unique needs. The Bank of America credit executives have the knowledge and product expertise to create a customized, flexible loan structure based on your balance sheet, asset allocation, cash flow, tax considerations and general wealth-building objectives.

Bank of America can offer a comprehensive array of financing solutions with competitive features and terms — from the traditional to the complex. Bank of America also offers variable-rate financing options and interest rate hedging strategies. A customized credit solution that includes an interest rate swap, cap, collar, or other flexible strategy may help you manage interest rate risk while helping to meet your income and borrowing requirements.3

Dedicated Advice and Access

Investment real estate lending at Bank of America offers you a broad range of experience and the ability to bring you choices and flexibility many other providers don't offer. At Bank of America, we understand real estate, and our Bank of America credit executives can assist you with many different property types, providing guidance and access to the appropriate type of financing for you.

The Resources of a Leader

In addition to customized commercial real estate financing, Bank of America can deliver access to a wide spectrum of credit capabilities and a depth of resources, expertise and capital strength that few financial institutions can match.

The critical dimension Bank of America brings bring to this relationship is a high level of personal service, because you work with knowledgeable credit executives who seek to ensure that your credit strategy effectively complements the other key components of your wealth management plan. Bank of America has the flexibility to fund significant loans while offering competitive terms and interest rates. Because time may be a critical factor as you evaluate different financing options, Bank of America provides a prompt and informed response to all credit requests.

Considerations and Risks 

  • Customized lending solutions involve special risks and may not be appropriate for all clients. 
  • Customized lending solutions may be subject to additional credit and legal approval. 
  • Clients should consult with their independent attorney, tax advisor and investment manager before implementing any financial, tax or estate planning strategy. 
  • Clients should also consider their portfolio diversification requirements, time horizon, risk tolerance, debt tolerance, tax situation and any cash flow and appreciation objectives they may have. 

To learn more, contact a private wealth advisor who will refer you to a Bank of America credit executive.

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