LifeCo Financing Request
Institutional Underwriting • Certainty of Execution
This intake is designed to evaluate asset quality, structure the credit, and position stabilized commercial real estate for LifeCo placement. Intended for income-producing assets with institutional credit profiles seeking long-term, fixed-rate, non-recourse debt at competitive spreads.
Submissions are reviewed through a disciplined underwriting lens to assess cash flow durability, collateral quality, sponsor strength, and LifeCo credit alignment. A principal reviews every submission within one business day.
LifeCo lenders require stabilized assets and institutional credit profiles. For assets not yet meeting LifeCo standards, review the LifeCo program to evaluate fit. Review the LifeCo program →
Typical LifeCo Loan Terms
| Loan Size | $7 million to $150 million and above depending on property type and sponsorship |
| Leverage | Up to 70% to 75% LTV for stabilized income-producing assets |
| Amortization | 20 to 30 years; interest-only periods occasionally available |
| Term | 5 to 30 years fixed-rate |
| Rate | LifeCo spreads tied to U.S. Treasuries; typically below CMBS or bank alternatives |
| Recourse | Non-recourse with standard carve-outs |
| Prepayment | Yield maintenance, step-down, or defeasance depending on structure |
| Closing Timeline | 30 to 60 days from executed term sheet and diligence completion |
About Cornovus Capital
With more than 70 years of combined capital markets leadership experience, Cornovus Capital is a national institutional commercial real estate and business capital advisory firm. Led by principals and senior advisors across institutional credit, capital placement, asset management, and hospitality ownership, we perform institutional-grade underwriting on every engaged transaction and place credits with pre-qualified capital partners matched to the transaction’s credit profile, structure, asset class, and geography.
Our expertise spans seven debt silos: SBA 7(a), SBA 7(a) 100% CRE, SBA 504, Bridge and Structured Debt, CMBS and Conduit, Conventional Multifamily (Agency and LifeCo), and Student Housing, with a Hospitality Owner’s Representation overlay led by principals with direct owner-operator experience across the full asset lifecycle.
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Connect with Cornovus Capital
For active acquisitions, refinances, recapitalizations, or expansion opportunities, begin with the appropriate financing request. For early-stage discussions, use the contact path to confirm program fit and execution strategy.
Submit a financing request → | Contact us →
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