Commercial & Investment Real Estate Financing

Purchase, rate-and-term refinance, or cash-out financing for 1–4 unit long-term and short-term rentals, including individual properties and portfolios.

• Qualification may emphasize property cash flow rather than personal income
• Leverage and pricing vary by DSCR, property type, credit, and experience
• Business-entity borrowing and personal guarantees are common

• Market rent or documented rental income
• Debt-service coverage and property expenses
• Credit profile, liquidity, and reserves
• Property condition, value, and intended rental strategy

Short-term capital for time-sensitive acquisitions, renovations, conversions, repositioning, and properties that are not yet ready for permanent financing.

• Interest-only structures and construction draws are common
• Leverage may be measured against cost, current value, and projected completed value
• A defined sale or refinance exit is essential

• Purchase price, scope of work, budget, and timeline
• Projected after-repair or stabilized value
• Borrower experience and execution team
• Liquidity, equity contribution, contingency, and exit strategy

Acquisition and refinancing for multifamily, mixed-use, office, retail, industrial, storage, hospitality, and other income-producing properties.

• Bank, non-bank, private, agency, and capital-markets executions may apply
• Structures can be fixed or floating, recourse or non-recourse
• Pricing and leverage follow property cash flow, quality, and sponsor strength

• Net operating income, occupancy, leases, and rent roll
• Debt-service coverage, loan-to-value, and market conditions
• Sponsor experience, liquidity, and net worth
• Capital improvements, management, and business plan

Financing for ground-up development, major renovation, expansion, adaptive reuse, and substantial property conversions.

• Loan proceeds are typically advanced through a draw process
• Structure may include land, hard and soft costs, interest reserve, and contingency
• Completion support and a permanent-loan or sale strategy may be required

• Plans, permits, budget, schedule, and feasibility
• Developer and general-contractor experience
• Borrower equity and available contingency
• Market demand, projected value, and exit strategy

Purchase, refinance, renovation, or expansion financing for properties substantially occupied by the operating business.

• Conventional bank, SBA 504, SBA 7(a), and selected non-bank structures
• Longer amortization may support manageable occupancy costs
• Real estate and business underwriting are evaluated together

• Business cash flow and global debt service
• Operating history, credit, and management strength
• Down payment, liquidity, and property value
• Occupancy percentage and planned use of the property

Longer-term financing for stabilized assets, including bank, life-company, agency, government-backed, CMBS, and other permanent-capital options where appropriate.

• Fixed and floating-rate structures may be available
• Amortization, recourse, prepayment, and reserves vary by execution
• Best fit depends on asset size, stability, ownership plan, and timing

• Historical and current operating performance
• Occupancy, tenant quality, and lease durability
• Sponsor strength and ownership experience
• Loan size, leverage, cash flow, and long-term strategy