Life Insurance M&T Realty Capital Corporation works with a broad network of institutional and life insurance company investors to provide mortgage financing for commercial income property types (office, industrial, retail; and hotel on an exception basis), as well as for multifamily properties. Life insurance company investors are typically portfolio lenders, retaining and servicing the loans post-closing, which provides for more borrower flexibility during the term of the loan. Life company loans typically include the following features: • Up to 65% LTV on most property types (higher LTVs on an exception basis); • Minimum Debt Service Coverage of 1.20x-1.40x (based on property type and market)  • Typically 10 year fixed-rate loan terms (5, 7 and 15 year term balloon loans and 20-25 year self-amortizing structures also available); • Typically 25 to 30-year amortization schedules (interest-only options may be available on an exception basis); • Single-purpose entity borrowers; • Non-recourse provisions • Early rate locks on most deals, typically 60 days. Longer term rate locks may also be available, typically up to 9-12 months. For specific loan information on this Program, please contact us directly at 1 (800) 737-2344 Click here to go back to Product Info page.

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