Breadth and depth
of industry experience to understand your financing needs and recommend financing options suited to achieve your investment goals.
About Us
PCVI Commercial was founded by Robert Hernandez a seasoned real estate professional with over 25 years of extensive domestic and international experience (Caribbean, Mexico, Russia) to assist investors and property owners in obtaining purchase loans or successfully refinancing commercial properties in California, Colorado, Florida, Oregon, Texas, Utah and Washington.
Robert has underwritten over $6 billion in commercial real estate including single assets and portfolios of multifamily, mixed-use, retail, office and hotels. He has tax credit financing and asset management experience in university student housing and affordable family / senior housing.
Robert holds a BS degree from the Cornell University School of Hotel Administration and an MBA from Southern Methodist University Cox School of Business. He has had a continuously active California Real Estate Broker license since 2003 and an active NMLS License since 2010.
Understand Your Needs:
Real Estate Development / Acquisitions
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Site selection including physical suitability of property, access and visibility, applicable zoning, permit requirements and restrictions;
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Neighborhood analysis, market area demand analysis, negotiations, financing, equity sourcing, ground lease analysis.
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Renovation project management of multifamily and mixed-use projects.
Asset Management
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Multi-family residential, retail, office, hotel and university student housing asset management.
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Capital improvement budgeting and tracking.
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ease analysis and negotiations.
Financial Analysis
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Financial modeling, analysis and valuation of real estate transactions including single asset development, acquisitions, conversions, multi-asset portfolios, and management contracts.
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Revenue, expense and cash flow projections of single asset and multi-asset portfolios for development, acquisitions and conversions.
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Comparative analysis of ownership and debt structure.
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Sensitivity analysis of risk scenarios.
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Analysis of property equipment, ground/tenant leases and subleases, management contracts, union agreements and service contracts.
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NPV, IRR, ROI, waterfall analysis, income capitalization approach valuations, accretion/dilution analysis.
Property Management/ Operations
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Proven management skills and ability to produce profits in hotels, multifamily/office/retail property management, timesharing and quick-service restaurants.
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Hotel management positions include General Manager, Assistant General Manager, Director of Human Resources, Director of Food & Beverage and Rooms Division Manager.
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Timeshare positions held include Florida Licensed Real Estate Salesman and Assistant Director of Marketing.
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Proficient with Appfolio Property Manager.
Market Analysis
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Extensive domestic and international fieldwork experience analyzing site location, access, visibility, topography and competitive advantages/disadvantages.
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Market analysis of demographics, demand generators, office space occupancy and development, primary and secondary competitive sets and zoning regulations.
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Rent surveys, market vacancy and trend analysis.
Services
Specializing in multifamily purchase loans, we secure competitive financing tailored to your property and market. Working closely with local banks, we ensure smooth loan processes and flexible terms suited to your investment goals.
Our refinancing solutions help you leverage your property's value for better loan terms, interest rates, or cash flow improvements. By collaborating with local banks, we find refinancing packages designed for maximum efficiency and benefit.
California, Colorado, Florida, Oregon, Texas, Utah, Washington.
Local Banks
PCVI Commercial works primarily with local banks for commercial real estate loans, whether for purchases or refinancing. Realizing that local banks will compete for business, we “shop” your loan to get you the best financing terms. Our experience in commercial real estate financing allows us to explore creative financing solutions. Lenders are more prone to approve financing when they deal with experienced professionals.
We search and compare lenders that understands not only the numbers but the context of your investment and the specific market where it’s located. This is especially useful in commercial real estate, where nuanced financial needs and market conditions often require flexibility and local expertise.
There are several advantages to shopping and comparing offers for your commercial mortgage with local banks:
Familiarity with the Market
Local banks are more likely to understand the local commercial real estate market, which can be advantageous when evaluating property values and assessing loan risks. This local market knowledge often translates into faster and more accurate loan approvals.
Quicker Decision-Making Process
Because local banks typically have shorter chains of command and simpler approval processes, they can often approve loans more quickly than larger, national institutions. This speed can be essential in competitive commercial real estate markets.
Flexible Loan Terms
Local banks may have more flexibility in terms of structuring loans, such as loan-to-value ratios, interest rates, and amortization schedules. They may also be more willing to negotiate terms or offer products tailored to meet specific requirements.
Potential for Lower Fees
Local banks often have lower fees and charges compared to larger banks, which can make a significant difference in the overall cost of financing.
Community Support and Investment
Many local banks are motivated to support economic growth within their communities. They may prioritize lending to local businesses and investors, understanding that successful local investments can boost the community and local economy.
Access to Additional Services
Working with a local bank can provide easier access to other financial services, such as treasury management, lines of credit, and business accounts. These can be essential for managing the cash flow and operational needs of commercial real estate investments.
Contact Us
Robert Hernández
PCVI Commercial
NMLS # 241292 l CA BRE Broker Lic. #01935727
Direct: 650-776-3280
