NNN Funding (Triple Net Lease Financing) for Commercial Real Estate

NNN Funding

NNN funding, also known as triple net lease financing, provides long-term, stable financing for properties leased to creditworthy tenants under triple net (NNN) lease structures. These properties are highly attractive to investors due to predictable income and minimal landlord responsibilities.


SellYouMoney offers NNN financing solutions nationwide for investors acquiring or refinancing single-tenant and multi-tenant net lease properties.

What Is NNN Funding?

NNN (Triple Net) funding refers to financing for properties where the tenant is responsible for paying property taxes, insurance, and maintenance expenses in addition to rent.


This structure creates a predictable, passive income stream for property owners, making NNN properties one of the most sought-after asset classes in commercial real estate.



Lenders evaluate both the property and the tenant’s creditworthiness when underwriting NNN loans.

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Benefits of NNN Financing

  • Stable, predictable cash flow
  • Long-term lease structures (often 10–25 years)
  • Minimal landlord responsibilities
  • Credit tenant-backed income
  • Lower risk profile compared to other asset classes
  • Attractive long-term financing options

Eligible Property Types

  • Single-tenant retail (e.g., national brands)
  • Fast food and quick-service restaurants
  • Pharmacy locations
  • Bank branches
  • Industrial NNN properties
  • Medical office buildings
  • Multi-tenant net lease properties

KEY LENDING CRITERIA

  • LEVERAGE                              As high as 75% LTV
  • INTEREST ONLY                      Up to 10 Years
  • RECOURSE                               Non- Recourse with Standard Carve-Outs
  • REPAYMENT CAPACITY       DSCR as low as 1.15x
  • REPAYMENTS                          Prepayments Allowed
  • LOAN SIZE                                Starting at $500,000
  • SECURITY                                 First-Lien Deed of Trust
  • LOAN TERM                            Up to 10 Years
  • AMORTIZATION                      Up to 30 Years
  • LEASE TERM                            At least 7 years of lease term remaining
  • PROPERTY TYPES                  Single-Tenant Retail Properties
  • GEOGRAPHIES                      All U.S Jurisdictions*
  • LEASE TYPES                          Triple-Net (and selectively double-net)
  • TENANT TYPES                    Rated IG by an NRSRO or National QSR Brands with strong credit operators
  • LEVERAGE As high as 75% LTV
  • INTEREST ONLY Up to 10 Years
  • RECOURSE Non- Recourse with Standard Carve-Outs
  • REPAYMENT CAPACITY DSCR as low as 1.15x
  • REPAYMENTS Prepayments Allowed
  • LOAN SIZE  Starting at $500,000
  • SECURITY First-Lien Deed of Trust
  • LOAN TERM  Up to 10 Years
  • AMORTIZATION  Up to 30 Years
  • LEASE TERM  At least 7 years of lease term remaining
  • PROPERTY TYPES  Single-Tennant Retail Properties
  • GEOGRAPHIES   All U.S Jurisdictions*
  • LEASE TYPES   Triple-Net (and selectively double-net)
  • TENNANT TYPES  Rated IG by an NRSRO or National QSR Brands with strong credit operators

Frequently Asked Questions

  • What does NNN mean?

    NNN stands for triple net lease, where the tenant pays property taxes, insurance, and maintenance.

  • What is a credit tenant?

    A credit tenant is a financially strong tenant, often rated investment-grade, that reduces risk for lenders and investors.

  • Are NNN properties low maintenance?

    Yes, tenants are responsible for most property expenses, making them low management investments.

  • Can I refinance an NNN property?

    Yes, NNN properties are commonly refinanced into long-term fixed-rate loans.

  • What is WALT?

    WALT stands for Weighted Average Lease Term and measures the remaining lease duration across tenants.

Why Choose SellYouMoney

SellYouMoney provides tailored NNN financing solutions for investors seeking stable, long-term commercial real estate investments.



We help structure financing based on tenant strength, lease terms, and investment goals to ensure optimal loan execution.