Financing Your Investment

Purchasing a care or retirement home isn’t like buying a typical residential property. Since care homes are income-generating businesses, financing is typically structured as a commercial mortgage or a business loan secured by real estate.

• Commercial Mortgages – Secured against the property, with terms based on cash flow and property value.
• Business Loans – Secured by the business assets and/or property.
• Private Lending – In cases where traditional financing doesn’t fit, private lenders may offer flexible terms.
   

• Property cash flow (Net Operating Income)
• Debt Service Coverage Ratio (DSCR)
• Buyer’s experience operating care businesses (if applicable)
• Property condition and zoning compliance
• Business licenses and financials (where required)
   

• Connect you with lenders experienced in financing retirement homes and care facilities.
• Help you understand how financing affects deal structure, including down payments, amortization, and qualification.
• Coordinate with lenders to ensure the purchase closes smoothly.
   

We’re happy to discuss financing options early in your search process so you can shop with confidence.

Contact us for personalized mortgage assistance