A life insurance company is a institutional insurance company that can provide capital for commercial real estate projects. These life insurance companies can provide both debt and equity, and are typically more conservative than other capital providers.
These companies can be both small and large, and often times have a correspondent lender that works directly with borrowers. Smaller life insurance companies typically focus on deals that range from $1-20m, while larger companies typically focus on deals larger than $20m.
Life insurance companies typically provide low leverage, partial/non-recourse financing, and are more conservative when underwriting deals. They typically provide low, long-term fixed rates with long amortization periods or the potential for interest-only.
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