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“Triple-Net”  also known as “NNN”properties are typically single-tenant retail properties leased to credit tenants. The Net, Net, Net (NNN) term refers to the tenant being responsible for real estate taxes, insurance and all maintenance costs in addition to the negotiated rent. NNN properties are popular among investors because there are no management responsibilities, stable cash flow and standard real estate tax benefits.

As with any investment, there are many factors to consider when investing in NNN properties. Below are a few:

  • Location – Market strength, local trends, demographics, traffic counts, accessibility, ability to re-tenant if tenant vacates, etc.
  • Tenant – Credit rating, financial strength, store sales, industry sector, competition, etc.
  • Lease Terms – Length of lease, guarantees, rent bumps, out clauses, renewal options, etc.
  • Building – Age, condition, construction type, size, land size, etc.

Another important factor to consider when investing in NNN properties is financing options. Lenders often look at the same factors as an investor (location, tenant strength, lease terms, etc) in addition to their overall exposure (percentage of loans) with that tenant. Each lender’s appetite for a specific tenant varies greatly. It is highly recommended that you work with an experienced commercial loan banker/broker when considering the purchase of a NNN property.

Through our relationships with CMBS lenders, CTL lenders, life insurance companies, banks and private investment groups, United Financial can help you secure a loan for the acquisition or refinancing of NNN properties located throughout the United States. Whether you’re seeking a fully amortizing loan, a 10 year fixed loan or an interest-only loan, we can help you secure financing that best suits your needs.

Advantages of United Financial’s NNN loan finance program include:

  • LTV’s up to 95% on NNN loans
  • NNN loan terms up to 25 years
  • Flexible NNN loan amortization terms
  • Non-recourse NNN loans
  • Potential for assumable financing