# Acquisitions & Refinancing

Flexible Financing for Real Estate Investments.

We provide financing for property acquisitions, refinancing existing mortgage debt, partner recapitalizations, and other qualifying real estate transactions.

## Financing for Acquisitions and Capital Transitions

Real estate acquisitions and refinancing transactions require financing that accounts for property value, existing obligations, timing, and investment objectives.

Acquisition financing provides capital to complete an eligible property purchase, while refinancing replaces or restructures existing mortgage debt.

We structure each facility around the property's fundamentals, sponsor experience, and investment strategy, providing flexible financing solutions that align with the specific requirements and timeline of each transaction.

### Capital Solutions for Changing Investment Needs

Property owners may seek refinancing to address upcoming maturities, consolidate multiple mortgages, restructure their capital arrangements, or pursue additional flexibility around an investment strategy.

Depending on the property and transaction, we may also evaluate qualifying partner recapitalizations and cash-out refinancing opportunities.

We assess the property's value, loan-to-value ratio, existing indebtedness, sponsor experience, and anticipated repayment strategy to develop appropriate financing terms.

## Financing for Real Estate Transactions

- **Property Acquisitions.** Provide capital for qualifying commercial and investment property purchases.
- **Mortgage Refinancing.** Replace or restructure existing property-secured obligations, including upcoming loan maturities.
- **Debt Consolidation.** Combine eligible mortgage obligations into a new financing arrangement.
- **Partner Recapitalizations.** Support qualifying ownership changes, restructuring, and partner capital requirements.

## Financing That Supports Your Investment Strategy

A property acquisition or refinancing involves more than the requested loan amount.

We evaluate the transaction as a whole, considering the property, sponsor, capital structure, market conditions, and investment objectives to determine an appropriate financing solution.

- **Property Fundamentals.** Asset type, value, condition, occupancy, and underlying collateral.
- **Sponsor Experience.** Ownership background, investment experience, and execution capabilities.
- **Market Dynamics.** Property location, comparable assets, market performance, and positioning.
- **Financing Objectives.** Acquisition requirements, existing obligations, transaction structure, and repayment strategy.

## Beyond Traditional Acquisition Financing

Depending on the transaction, Goba may evaluate cash-out refinancing opportunities, ownership recapitalizations, and other financing structures supported by the underlying real estate.

Each opportunity is assessed individually to determine whether an appropriate financing solution can be offered.

## Financing Parameters

- **Facility Size:** Generally $3M–$50M
- **Advance Rate:** Up to 75%
- **Loan Position:** First Mortgage
- **Loan Term:** Up to 36 months
- **Applications:** Acquisitions, refinancing, eligible debt consolidation, and qualifying recapitalizations
- **Geography:** United States, South Florida focus
- **Eligibility Considerations:** Property value, existing debt, sponsor profile, leverage, and investment objectives

_Terms are indicative and subject to underwriting and transaction requirements._

## From Property Evaluation to Closing

1. **Transaction Assessment.** We review the property, requested financing, existing debt obligations, and sponsor background.
2. **Financing Structure.** We determine proposed loan terms based on the collateral, loan-to-value ratio, transaction requirements, and investment objectives.
3. **Execution & Closing.** We coordinate underwriting, documentation, and closing requirements, including the settlement of existing liens where applicable.

## Sample Transaction: $38.5 Million Real Estate Refinancing Facility

### Refinancing Existing Mortgage Obligations

**Property:** Real Estate

**Challenge.** A real estate borrower sought to refinance existing mortgage debt on a high-value property while maintaining flexibility for a future sale or longer-term refinancing.

**Solution.** We approved a $38.5 million first-mortgage refinancing facility with a total term of up to 36 months. The structure combined an initial interest-only period with extension options and additional collateral, giving the borrower flexibility for a future sale or longer-term refinancing.

**Result.** The transaction established a new financing arrangement aligned with the borrower's anticipated sale or refinancing strategy.

## Related Solutions

- [Bridge Lending](https://www.gobacapital.com/solutions/real-estate/bridge-lending/)
- [Stabilization & Repositioning](https://www.gobacapital.com/solutions/real-estate/stabilization-repositioning/)

- [Real Estate Financing](https://www.gobacapital.com/solutions/real-estate/)

## Financing for Your Next Acquisition or Refinance.

Explore financing solutions aligned with your real estate investment objectives.

[Let's Talk Success](https://www.gobacapital.com/contact/)