Services

At Lumin Equities, our Structured Finance team offers first-class expertise and the confidence to execute a wide range of financing solutions beyond traditional debt. We specialize in navigating complex financial structures with tailored solutions designed for the unique challenges of each transaction. Our national platform connects capital providers with capital users, leveraging a broad network of financial resources and years of experience across all asset classes.

Multifamily Financing

At Lumin Equities, we offer a full spectrum of multifamily financing solutions tailored to meet the needs of investors, developers, and operators. Whether you’re acquiring, refinancing, constructing, or repositioning a multifamily asset, our team leverages deep market expertise and strong lender relationships to secure competitive financing options.

Financing Options Available

  • Agency Financing (Fannie Mae & Freddie Mac): Long-term, flexible financing for stabilized and value-add properties.

  • HUD/FHA Loans: High-leverage, non-recourse financing with long amortization periods.

  • Bank & Life Company Loans: Attractive balance sheet lending solutions for stabilized properties.

  • Bridge & Transitional Loans: Short-term financing for value-add strategies.

  • Construction Loans: Tailored funding for ground-up developments.

  • Mezzanine & Preferred Equity: Structured solutions to enhance leverage.

  • JV & Co-GP Equity: Strategic equity partnerships for acquisitions and developments.

Commercial Financing

Lumin Equities offers a variety of commercial real estate financing solutions designed to fit a range of projects and asset types.

Available Financing Solutions

  • Bank Loans: For stabilized properties, with flexible structuring.

  • Life Insurance Companies: We partner with PSRS to provide our clients with the best options available.

  • Bridge & Transitional Loans: Short-term financing for value-add and lease-up strategies.

  • Construction Loans: Flexible funding for new developments.

  • CMBS Loans: Fixed-rate, higher leverage loans for stabilized properties.

  • JV & Co-GP Equity: Strategic partnerships for acquisitions and recapitalizations.

Bridge Loans

Bridge loans are a fast and flexible option for projects needing short-term financing before securing permanent capital.

Types of Bridge Loans We Offer:

  • Hybrid Bridge Loans: Fixed A note with floating holdback, up to 75% LTC.

  • Floating Rate Loans: Starting at 225 + SOFR.

  • Debt Funds: Up to to 85% LTC fixed or floating.

Bridge loans are ideal for:

  • Quick property acquisitions.

  • Repositioning or lease-ups.

  • Addressing short-term capital needs.

Structured Equity Financing

Equity Solutions for Real Estate Projects

  • Senior Debt: Up to 85% LTC.

  • Mezzanine (MEZZ) & Preferred Equity: Up to 90% LTC.

  • Joint Venture (JV): Strategic partnerships for new development projects.

  • Preferred Equity: Structured funding offering preferred returns on investment.

Construction Financing

We offer flexible construction loans for ground-up development projects, enabling developers to begin work before securing permanent financing.

Key Features of Our Construction Loans

  • Tailored solutions for real estate development projects.

  • Higher risk but offer necessary capital for new developments.

  • Flexibility in structuring terms to meet specific project needs.

STNL & Credit Tenants

We also provide equity financing solutions for Single-Tenant Net Lease (STNL) projects, with a focus on pre-leased properties, up to 100% financing.

STNL Equity Highlights

  • Investment Size: $3M+ for short-term business plans on pre-leased projects.

  • Tailored for: Investors and developers looking for stable, low-risk assets.