Program Overview
What is a commercial real estate loan?
A commercial real estate loan finances property used for business operations or income production.
Commercial underwriting evaluates property income, expenses, occupancy, leases, condition, market, debt-service coverage, sponsor experience, net worth, liquidity, credit, and exit strategy.
Who This Program May Help
Who may benefit from commercial financing?
Multifamily Investors
Borrowers acquiring or refinancing five-or-more-unit properties.
Business Owners
Companies purchasing or refinancing owner-occupied facilities.
Commercial Investors
Investors financing office, retail, industrial, or mixed-use property.
Portfolio Owners
Experienced sponsors refinancing or expanding commercial holdings.
Qualification Factors
Common eligibility considerations
Commercial terms vary materially by property type, occupancy, location, tenant quality, sponsor strength, leverage, and lender.
Preparing to Apply
Documents commonly requested
- Borrower and guarantor identification
- Entity formation and authority documents
- Personal financial statements
- Property rent roll and leases
- Historical operating statements
- Year-to-date financials
- Tax returns when required
- Appraisal, environmental, title, and insurance documents
Step by Step
How the process works
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01
Complete the Secure Application
Provide your contact information, financing goals, property details, and estimated financial profile.
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02
Submit Supporting Documents
Provide the income, asset, credit, identity, entity, and property documents required for the selected program.
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03
Review Program Eligibility
Your mortgage professional reviews loan structure, occupancy, property type, credit, income, reserves, and documentation.
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04
Processing and Underwriting
The file, appraisal, title, insurance, disclosures, conditions, and applicable program requirements are reviewed.
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05
Final Approval and Closing
After final conditions are satisfied, closing documents are prepared for signing and funding.
Frequently Asked Questions
Commercial Real Estate Loans FAQs
What property types can be financed?
Programs may finance multifamily, office, retail, industrial, mixed-use, hospitality, self-storage, and owner-occupied business properties.
What is DSCR in commercial lending?
Debt Service Coverage Ratio compares qualifying net operating income with required loan payments.
Are personal guarantees required?
Recourse requirements vary by lender, property, sponsor strength, leverage, and program.
How are commercial properties valued?
Commercial appraisals often consider income, comparable sales, replacement cost, market, leases, and condition.
How long do commercial loans take?
Timing varies by documentation, appraisal, environmental review, title, leases, lender, and transaction complexity.