LifeCo Loan Financing Solutions for Commercial Real Estate
Long-Term • Fixed-Rate • Institutional Execution
Cornovus Capital structures LifeCo loan financing solutions for stabilized, income-producing commercial real estate nationwide. Through partnerships with insurance companies, pension funds, and correspondent lenders, our platform delivers long-term, fixed-rate financing tailored to high-quality borrowers seeking institutional execution.
LifeCo loans provide predictable debt service and attractive pricing for stabilized assets across sectors including hospitality, industrial, retail, multifamily, and office. Cornovus Capital manages credit modeling, structure design, and lender coordination — ensuring precision, speed, and certainty of closing.
Typical LifeCo Loan Terms
| Loan Size | $7 million – $150 million+, depending on property type, market, and sponsorship |
| Leverage | Up to 75% LTV for stabilized income-producing assets |
| Amortization | 20–30 years; interest-only periods available |
| Term | 5–30 years fixed-rate; extension options based on structure |
| Recourse | Non-recourse with standard carve-outs |
| Rates | LifeCo spreads tied to U.S. Treasuries, typically lower than CMBS or bank alternatives |
| Prepayment | Yield maintenance, step-down, or defeasance structures available |
| Closing Timeline | 30–60 days from executed term sheet and diligence completion |
Who Qualifies for LifeCo Loan Financing?
- Institutional and private owners with stabilized, income-producing commercial assets.
- Sponsors transitioning from bridge or CMBS executions into long-term LifeCo debt.
- Developers or investors refinancing core or near-core stabilized properties.
- REITs and portfolio owners executing recapitalization or balance-sheet restructuring.
Eligible Property Types
- Office, industrial, medical, and corporate headquarters.
- Retail centers or anchored shopping complexes.
- Hospitality and multifamily assets with proven NOI performance.
- Mixed-use or diversified portfolios with institutional-quality tenancy.
Ineligible LifeCo Loan Transactions
- Transitional or value-add properties without stabilized cash flow.
- Speculative developments or construction-only projects.
- Single-tenant or owner-dependent assets lacking institutional tenancy.
- Borrowers with insufficient liquidity or financial history to meet LifeCo requirements.
About Cornovus Capital
With over 70 years of combined experience, Cornovus Capital is a trusted financial partner specializing in commercial real estate and structured capital solutions. We provide LifeCo loan financing designed to support long-term ownership stability and institutional-grade execution.
Our expertise spans LifeCo, CMBS, bridge, and structured debt programs, ensuring precise underwriting, efficient execution, and lasting lender relationships across stabilized portfolios nationwide.
Connect with Cornovus Capital
Exploring LifeCo loan financing options for commercial real estate? Cornovus Capital delivers institutional execution — combining underwriting precision, credit modeling, and lender coordination to ensure transparency, speed, and certainty from term sheet to closing.
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