Commercial Lending FAQ

We arrange financing for:

• Multifamily (5+ units)
• Mixed-use buildings
• Office and medical office
• Retail and shopping centers
• Industrial, warehouse, and flex
• Self-storage
• Hospitality (hotels/motels))
• Restaurants
• Automotive (gas stations, car washes, repair shops)
• Special-purpose properties
• SBA-eligible owner-occupied properties

If it produces income or houses a business, we can structure financing.

We work with banks, credit unions, private lenders, and national commercial lenders to offer:

• Conventional commercial mortgages
• DSCR / investor cash-flow loans
• SBA 7(a) and 504 loans
• Bridge and value-add loans
• Construction and renovation
• Private / hard money loans
• Portfolio and blanket loans

Our job is to find the right lender match, not push one product.

• Minimum loan amount: $1,000,000 
• Maximum loan amount: No limit — we can finance large, complex deals through national and institutional partners.

Typical lender expectations:

• Multifamily: up to 80%
• Mixed-use: 70–80%
• Office / Retail / Industrial: 65–75%
• Hospitality / Special-purpose: 50–65%
• Bridge loans: 60–70%

We place your deal based on the highest leverage options available.

Most lenders want DSCR between 1.15–1.25. But we also work with lenders who allow:

• 1.00–1.10
• DSCR-flex structures
• No DSCR for certain bridge/value-add loans

Ranges depend on lender type:

• 650+ for conventional/DSCR
• 660–680+ for SBA
• Flexible for bridge/private lending

Common documents include:

• Rent roll
• Trailing 12-month P&L
• Leases
• Property financials
• Entity documents
• PFS & REO schedule
• Bank statements
• Tax returns (except for no-doc programs)

We package the file, so lenders see the strongest version of your deal

Yes — many of our lending partners offer:

• DSCR-based foreign national loans
• No U.S. credit required
• Purchases in LLCs
• 25–35% down depending on property

Because banks only offer one option. We offer many, including:

• Lower rates
• Higher leverage
• More flexible underwriting
• Faster closings
• Creative solutions for tougher properties
• Access to lenders others don’t work with

Your deal gets placed where it will actually be approved. 

Typical timelines:

• DSCR / no-doc: 2–4 weeks
• Conventional commercial: 30–60 days
• SBA 7(a): 45–75 days
• SBA 504: 60–90 days
• Bridge: 5–14 days

We choose lenders based on your timeline. 

Yes — we work with bridge and private lenders that finance:

• Renovations
• Lease-up
• CapEx projects
• Low DSCR
• Heavy vacancy
• Turnaround situations

Yes. Many lenders accept new investors, especially for:

• SBA loans
• DSCR programs
• Bridge/value-add loans

Experience is helpful but not always required.

Just the basics:

• Property address
• Loan amount
• Property type
• Rents or NOI
• Purchase price (if applicable)

Yes — typically:

• Application/processing fee
• Broker fee paid at closing

All fees are disclosed upfront. No surprises.