LIFECO FINANCING REQUEST
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LifeCo Advisory Overview
Cornovus Capital structures LifeCo financing solutions for stabilized, income-producing commercial real estate across major U.S. markets. Our advisory process aligns sponsorship, asset quality, and cash flow with institutional LifeCo underwriting requirements.
Market Insights & Capital Sources
LifeCo capital trends are monitored through correspondent relationships, portfolio-level rate guidance, and insurer-driven allocations influenced by Treasury yields and credit spreads — supporting execution planning and pricing visibility.
Advisory Review & Submission Process
Upon submission, a Cornovus Capital advisor reviews sponsorship strength, stabilized cash flow, tenancy, market durability, and leverage objectives to determine LifeCo program alignment.
This review coordinates underwriting, term sheet structuring, and capital-source engagement.
LifeCo Strategies We Support
Advisory support includes stabilized acquisitions, refinancing, recapitalizations, and longer-term fixed-rate placements for core and near-core commercial real estate assets with institutional credit profiles.
Typical LifeCo Loan Terms
| Loan Size | $7MM – $150MM+, depending on property type, market, and sponsorship |
| Leverage | Up to 70–75% LTV for stabilized income-producing assets |
| Amortization | 20–30 years; interest-only periods occasionally available |
| Term | 5–30 years fixed-rate; extension structures vary |
| Recourse | Non-recourse with standard carve-outs |
| Rates | LifeCo spreads tied to U.S. Treasuries; typically price below CMBS or bank alternatives |
| Prepayment | Yield maintenance, step-down, or defeasance options depending on structure |
| Closing Timeline | 30–60 days from executed term sheet and diligence completion |