Trophy Office
Best-in-class office in supply-constrained CBDs with credit tenancy.
Capital Source
Life Company
Long-term, low-leverage capital from insurance balance sheets for trophy and core assets.
Loan Amount
$10M – $500M+
Term
10 – 30 Years
Rate Range
5.30% – 6.75%
LTV / LTC
50% – 65%
Program Overview
How life company works.
Life insurance companies are the most relationship-driven, custom-structured lenders in the commercial mortgage market. They lend off their general account balance sheets, which means they don't need to securitize and can offer 10-, 15-, 20-, even 30-year fully fixed terms with custom amortization, flexible prepayment, and forward rate locks up to 24 months. Life co. debt is the lowest-cost, most stable capital available — but lenders are selective. They want institutional-quality assets in major markets with strong sponsors and conservative leverage (typically 50–65% LTV). Best for trophy office, Class A multifamily, prime industrial, grocery-anchored retail, and STNL credit deals.
- Longest fixed-rate terms in the market — up to 30 years
- Forward rate-lock up to 24 months pre-close
- Custom prepayment — open windows, declining premiums, par-call options
- Strongest sponsor / asset relationships for repeat capital
Use Cases
When sponsors choose life company.
Class A Multifamily
Institutional-grade multifamily as alternative to agency for ultra-low leverage.
Industrial & Logistics
Long WALT credit-tenant industrial — quotes inside CMBS spreads.
STNL Credit Deals
Investment-grade single-tenant net lease with 15+ year terms.
Best-Fit Asset Classes
Property types that match life company.
Where this capital source delivers the strongest execution today.
Industrial
Long-WALT credit-tenant industrial — life co. quotes routinely beat CMBS spreads.
Explore Industrial financing →Office & Mixed-Use
Trophy Class A office in supply-constrained CBDs with investment-grade tenancy.
Explore Office & Mixed-Use financing →Multifamily
Class A institutional multifamily as a low-leverage alternative to agency execution.
Explore Multifamily financing →Retail
Grocery-anchored centers and STNL credit deals with 15+ year lease terms.
Explore Retail financing →Ready to explore life company?
Submit your scenario and receive multiple competitive term sheets within 5–10 business days.