Commercial Real Estate
Acquisition, refinance and owner-occupied CRE: how lenders size a commercial property and what actually moves a term sheet.
- Commercial Real Estate
Commercial Mortgage Structures, Compared
Term, amortization, recourse, rate mechanics and prepayment are five separate dials. Here is what each one does and how the common structures set them.
- Commercial Real Estate
SBA 504 vs Conventional for an Owner-Occupied Building
Two structures for the same purchase. One preserves cash and takes longer; the other is faster and costs more equity. Here is the arithmetic behind the choice.
- Commercial Real Estate
How Lenders Underwrite an Owner-Occupied Purchase
Buying the building your business operates from is two credits in one file: the company and the property. Here is how a desk underwrites both at once.
- Commercial Real Estate
Cap Rates and Valuation, From the Lender's Side of the Table
The broker's cap rate and the underwriter's are computed from different NOI. Here is how a credit desk rebuilds the income statement and what it does to value.
- Commercial Real Estate
The Commercial Appraisal, Start to Finish
Who orders it, the three approaches to value, what the appraiser needs from you, and what happens to your loan when the number comes in low.
- Commercial Real Estate
Refinancing a Maturing Commercial Mortgage
The balloon is a date on a document, not a surprise. Start twelve to eighteen months out, find your binding constraint, and know your three real outcomes.
- Commercial Real Estate
Loan-to-Value and What Actually Moves It
LTV looks like one number and is really three: which value, which basis, and which constraint binds first. Here is how the ratio is set and where it flexes.
Programs in this area
The financing these articles describe, with the numbers and documentation each one requires.
- Fixed-Rate CRE
SBA 504
Long-term fixed-rate financing for owner-occupied real estate.
- Owner-Occupied
SBA 7(a)
Government-backed capital for owner-occupied CRE and expansion.
- Acquisition Speed
Bridge / Purchase
Short-term acquisition capital built for speed and flexibility.
- Multi-Property
Portfolio Lending
One facility across many doors, underwritten on blended performance.
Run your property through underwriting before you make the offer.
No credit pull to start. You will get a straight answer on where the file stands.