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Commercial Real Estate Loans
In A Nutshell

A commercial property can be one of several property types;

  • Office
  • Mixed use
  • Single tenant
  • Retail center
  • Industrial
  • Owner user

Commercial real estate loans for these property types rank high with respect to the total number of loans funded from lender to lender.

These property types also attract a little more attention from the bank's underwriting departments due to the nature of the propery and it's risk factor.

And this is why commercial tenant leases are crucial.

  • Are lease expiries staggered out instead of expiring simulataneously...avoiding a detrimental vacancy factor?

  • Does the property have a strong tenant profile...credit or non-credit tenants?

  • Are the expense factors in-line?

  • If you plan on occupying the property (owner-user) do you have the financial wherewithal to satisfy the lenders underwriting requirements?

    • These are some of the concerns that we will address when we pre-qualify you prior to going into a financing arrangement with the bank.

    Do you need a commercial real estate loan for a purchase transaction or refinance?

    Are you in the process of purchasing your commercial building...but you need to first analyze the debt and cash flow before you begin to write an offer?

    How about your refinance? Not sure how much cash out the lender will give you?

    This is when you want us to step in.

    Let us go over the property details for you. We'll pencil out the numbers and check for sufficient debt coverage and cash flow.

    Have the following available so we can pre-qualify your transaction;

    • Lease summary
    • Year to date operating statment
    • Last years full operating statement
    • Digital pics of the property


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