Property type
Healthcare property loans, matched to your deal
A healthcare property loan finances medical and care-related real estate, spanning medical office let to clinical tenants through to assisted living and skilled nursing facilities that run as operating businesses. Those two ends behave very differently: one is underwritten much like office with stickier tenants, the other like an operating company where regulatory standing, staffing and reimbursement drive the income, and few programs are equally comfortable across the whole range.
- 5,000+loan programs screened
- 5–8matches on a typical deal
- $0 upfrontto submit and compare offers
- 0.50–1.00%broker fee, paid only at closing
Who is a healthcare property loan actually for?
Owners and buyers of medical office buildings, outpatient and clinical space, and senior care property including assisted living and skilled nursing. Practices acquiring their own premises sit here too, though owner-user files are underwritten on the practice rather than on third-party rent.
What do healthcare lenders disagree about?
How far up the operating spectrum they are willing to go. Medical office attracts a broad field of programs because it behaves like real estate with durable tenants. Assisted living and skilled nursing attract a much narrower one, because the income depends on occupancy, staffing, regulatory standing and reimbursement, and lenders that underwrite operating businesses are a different group from those that underwrite buildings.
How does getting matched actually work?
You describe the deal once — about five minutes — and it is screened against 5,000+ loan programs. Most deals return 5–8 matches, and the median first offer arrives in under an hour. There is $0 upfront; the fee is 0.50–1.00%, paid only at closing.
YieldStack is a commercial mortgage brokerage, not a lender. The rate, the leverage and the credit decision belong to the lenders competing for your deal; our job is making sure the right ones see it at the same time, so the terms you compare are real competition rather than one desk’s appetite.
What do lenders actually look at?
Every program weighs these in its own way — which is the argument for several quoting at once.
- Where the asset sits between passive real estate and operating business
- Tenant or operator quality, and the depth of the operating record
- Regulatory standing, and any operating conditions attached
- Specialised fit-out, and how transferable it is to another occupier
- Referral patterns and the location relative to the healthcare network
Frequently Asked Questions
Is medical office easier to finance than general office?
Often, yes. Clinical fit-out is expensive to replicate, so tenants tend to renew, and lenders read that as more durable income than a comparable general office building.
How is assisted living underwritten?
Much closer to an operating business than to a building. Occupancy, staffing, regulatory standing and the operator record drive the assessment, and the field of programs is narrower as a result.
Does the operator matter more than the property?
On care assets, frequently. The same facility under an experienced operator and an untested one is not the same risk, and lenders price that difference directly.
Can a practice finance its own building?
Yes, as business-purpose owner-user property. The underwriting leans on the practice as the source of repayment rather than on rent from a third party.
Do regulatory approvals affect the financing?
On care facilities it is fundamental, since regulatory approval is what permits the income to exist. Lenders will want its standing and any outstanding conditions documented.
Is skilled nursing financeable?
Yes, by programs that specialise in it. It is one of the clearest cases where reaching the right desk matters more than the quality of the individual asset.
Is YieldStack a lender?
No. YieldStack is a commercial mortgage brokerage, not a lender. Every term sheet comes from a lender in the network and is subject to that lender's underwriting.
Does it cost anything to see terms?
No. It costs $0 upfront to submit a deal and review offers; YieldStack's broker fee is 0.50–1.00% of the loan amount and is paid only at closing.
Is financing guaranteed?
No. Every credit decision is made by the lender; YieldStack arranges the introductions and negotiates on the borrower's side, and no loan, rate, or closing is guaranteed.
Next step
One deal.Several lenders.
YieldStack is a commercial mortgage brokerage, not a lender.