Mortgage Banking

The Mortgage Banking group of Medalist Capital specializes in arranging permanent non-recourse financing for commercial real estate properties through our expansive network of lenders.

Our sources of capital include life insurance companies, securitized lenders, agencies (Fannie, Freddie, FHA), credit unions, banks and mortgage REITs. We are an exclusive correspondent for 27 different life insurance companies. Additionally, many of our lender relationships are long-standing – many have exceeded 30 years. Through these relationships, we are able to offer our clients customized financing solutions that go beyond traditional 10-year permanent mortgages and include construction financing, construction and permanent loans, mezzanine debt, forward commitments, floating rate debt and other structured financing options.

We can arrange financing on all types of commercial real estate, including:

Multifamily
Office
Retail

Industrial and flex
Hotels
Self-storage facilities

Medical offices
Marinas
Manufactured housing

We work with our lenders to customize their loan programs to meet specific borrower needs. Examples include:

Interest-only features
Participating mortgages
Funding with partial leasing
Variable amortizations

Proper handling of environmental situations
Collateral substitution
Credit tenant lease (CTL) financing

Our Process

Our proven process begins with a hands-on approach from our producers, where our clients’ needs are identified and sound advice on current market conditions and trends is shared. Complete deal analysis follows, including detailed underwriting, market data compilation and ultimately a professional presentation to our lenders. A competitive environment is then created to source the most attractive capital available. We lead the negotiations and consult with our clients to select the best option, and are actively involved in the closing process.

Equity Placement & Structured Finance

Medalist Capital advises on the full spectrum of investments, from core and core plus to value-add and opportunistic, as well as mezzanine debt and preferred equity investments throughout the entire capital stack. Our array of experience allows us to effectively and efficiently manage the investment processes, from deal underwriting up to and beyond closing, including due diligence. We have the capability to perform portfolio analysis for all commercial real estate assets, including how clients’ real estate holdings fit within their entire asset allocation and investment universe.

Medalist Capital identifies and negotiates with the most suitable equity investors for a new acquisition, new development or recapitalization of an existing asset. Suitability is based on investment philosophy, risk-reward profile, size of investment, hold period, preferred leverage and LP versus GP participation. Medalist provides absolute discretion, best market knowledge, and sound advice on current market conditions and trends, and also conducts best-in-class deal analysis, market data research and professional presentation of client opportunities. Medalist creates a highly competitive environment to source the most attractive capital available while providing start-to-finish assistance in negotiating and closing of the transaction. A proven record is one of the reasons why clients choose Medalist to deliver equity and structured debt solutions.

Areas of expertise:

LP and GP equity placement
Structured finance
Mezzanine debt
Preferred equity placement
Joint venture partnerships
Programmatic equity for real estate operators

Advisory product types:

Retail
Office
Industrial
Multifamily
Flex

Distressed debt
Assisted living
Hotel
Hospitality

Sources of capital:

Life insurance companies
Private equity and hedge funds
Pension funds
Endowments
Individual family offices
Multifamily office groups
High net worth investors
Trusts
Foreign and domestic capital syndicates

Please contact Eric Williams at 704-333-5186 or ewilliams@medalistcapital.com for more information.

Medalist Defeasance

In response to overwhelming demand from our clients, Medalist Capital formed a joint venture with Pensford Financial to assist clients with defeasance transactions. The Medalist Defeasance team is comprised of experienced specialists who have completed more than 1,000 defeasance transactions totaling more than $10 billion. 

Services include:

- Structuring the defeasance portfolio using extremely sophisticated software.

- Purchasing securities via a competitive bidding process for the securities portfolio.

- Residual and float: We provide transparency around the residual value generated from the defeasance process and return a portion of the savings to our clients.

- Establishing the Successor Borrower entity, which assumes the liability for all financial obligations of the loan.

For a more complete explanation of the defeasance process, our capabilities and contact information, please visit the Medalist Defeasance website at www.medalistdefeasance.com.

Investment Advisory

Medalist Capital’s Investment Sales and Advisory Division works closely with both institutional and individual investors on strategic acquisitions and dispositions of commercial real estate investments. We advise on and have the ability to participate in the full spectrum of investments, from core and core plus to value-add and opportunistic, as well as debt investments throughout the entire capital stack. Through intensive underwriting, property and market analyses, we use our expertise to maximize the value of our clients’ and partners’ real estate portfolios. Our array of experience allows us to effectively and efficiently manage the acquisition and sale processes from deal underwriting up to and beyond closing, including due diligence. We have the capability to perform portfolio analysis for all commercial real estate assets, as well as with regard to how clients’ real estate holdings fit within their entire asset allocation and investment universe.

Furthermore, we work seamlessly with our colleagues on the commercial mortgage banking side to best structure and place any required financing to facilitate transactions. We constantly monitor the market for opportunities, and through our extensive investor and lender relationships, we see many off-market deals, ensuring our clients and partners get exposure to deals that offer outsized risk-adjusted returns and the deals that best suit their investment parameters. We focus on Southeastern markets, with an emphasis on North Carolina, South Carolina and Georgia.

Services Offered:

Buy-side advisory
Sell-side investment sales
Capital sourcing and equity partnerships
Consulting
Portfolio analysis
1031 exchange expertise

Product Types:

Retail
Office
Industrial
Multifamily
Flex
Distressed debt