Creative Real Estate Finance

Everest Financial Services was launched to provide capital to small and mid-sized investors and developers that have long been underserved by traditional lending sources. Our leadership team comes from a background in real estate finance and development, so we understand the need for creative financial structures. Our expertise and entrepreneurial approach to real estate finance helps us create optimal capital structures to serve the needs of our borrowers.

Everest Financial Services Criteria

PROGRAM INTRODUCTION
  • Everest Holdings’ Private Credit platform provides flexible recourse and non-recourse, fixed- and floating-rate commercial real estate loans ranging from $10m to $65m+. The private credit group operates nationally with its headquarters in Scottsdale, Arizona. A dedicated team underwrites and internally services loans with a focus on client experience.
PRODUCT TYPES
  • Multifamily / BTR
  • Single Family Residential
  • Self-Storage
  • Industrial
  • Retail
PROJECT TYPES
  • Bridge
  • Construction Completion
  • Acquisition & Development
  • Ground-Up Construction
RATES
  • Bridge + Construction Completion – Fixed- or floating-rate, SOFR + 350 to 500+
  • Acquisition & Development – Fixed- or floating-rate, 10% to 12%+
  • Ground-Up Construction – Fixed- or floating-rate, 10% to 12%+
LOAN SIZE
  • Bridge + Construction Completion $10m to $65m+
  • Acquisition & Development $10m to $35m
  • Ground-Up Construction $10m to $35m
LTC/LTV LIMITS
  • Bridge + Construction Completion – 85% of cost, 80% of “as stabilized value”
  • Acquisition & Development – 80% of cost, 75% of “as stabilized value”
  • Ground-Up Construction – 80% of cost, 75% of “as stabilized value”
LOCATIONS
  • National Focus
FEES
  • 1.0% to 2.0% aggregate
TERM
  • 18-36 months, with extension options
AMORTIZATION
  • N/A, interest only
YIELD MAINTENANCE
  • Minimum interest of at least 12 months based on full loan amount
RECOURSE
  • Varies, minimum of non-recourse carveouts and completion guarantees.
Background Bottom Cap
We have done 3 deals with Ryan O'Donovan and the Everest team and each time it's turned into a smooth transaction. It really feels like a true partnership when working with their team and it's great to work with a group that have been on both sides of the capital stack. We are looking forward to building on our relationship with them and working on many more deals together.
Kyle Mitchell
Kyle Mitchell
Managing Partner
Vertical Street Ventures
I highly recommend Everest to anyone looking for land bank and/or mezzanine financing in The Valley. I have worked with the Everest Team for fifteen (15) years. Arizonans are funny in that, everyone has $100M until it is time to close a real estate deal. Joe has built a team quite the opposite, a reliable source and advisor that comes to the table. That's not to say Everest closes every deal, but their team tells you early what they can and cannot do so Owners and Developers can make informed decisions.
Stephen Adams
Stephen Adams
Adams Craig
We have closed multiple transactions with Ryan, and Everest. We appreciate their speed and ability to see deals through the finish line. Really value them as a partner.
Paul Davidovac
Paul Davidovac
Senior Director
Tauro Capital Advisors, Inc.
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License # BK-0950951, NMLS # 1806790
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