Life Company Financing
5-to-30-year low-spread, fixed-rate balance-sheet debt from life insurance companies ($10M to $500M+).
For lower-leverage (55–65% LTV) stabilized assets, life insurance companies offer the lowest fixed spreads in commercial real estate, forward rate-lock at application, and direct balance-sheet servicing without CMBS master-servicer friction.
We target the exact correspondent and direct life-company allocations hungry for your property type—whether core-plus multifamily, industrial logistics, grocery-anchored retail, or trophy mixed-use.
Life Company vs. CMBS & Agency
When a stabilized asset qualifies for both life-company and CMBS/Agency debt, we run a side-by-side comparison of application rate-lock protection, par prepayment windows, and secondary financing rights.
If you need higher leverage than a life company's 65% LTV ceiling, we pair their senior mortgage with a pre-approved B-note or preferred equity tranche.
Typical Deal Parameters
| Loan Size | $10M to $500M+ |
| Leverage | 55–65% LTV (typical); up to 70% for strong assets/sponsors |
| Rate | Fixed; 10+ year Treasury spread (typically 130–200 bps) |
| Term | 5 to 30 years |
| Recourse | Non-recourse with standard carve-outs |
| Asset Types | Multifamily, industrial, office, retail (anchored), mixed-use |
Financing a stabilized asset at 55–70% LTV? Send us your rent roll and operating statement for 24-hour life-company spread and rate-lock indications.
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