5+ unit apartments, mixed-use, retail, office, warehouse — we finance it all. Loan amounts from $500K to $25M+ with competitive rates and flexible structures.
Commercial real estate loans are underwritten based on the property's income, value, and the borrower's overall financial profile. Unlike residential loans, the property's cash flow (DSCR) is the primary qualifying factor — making these ideal for experienced investors and business owners.
Most commercial lenders start at $500,000. Smaller commercial transactions under $500K may qualify through SBA loans (7a or 504) or community bank portfolio programs. Call us to discuss your specific loan size.
Commercial loans focus on the property's Net Operating Income (NOI) and DSCR rather than your personal income. The property must generate enough cash flow to cover the debt service. Personal credit and financial strength still matter but are secondary to the asset's performance.
DSCR (Debt Service Coverage Ratio) of 1.20x means the property generates $1.20 in income for every $1.00 of debt payments. A DSCR of 1.0 means it breaks even; below 1.0 means the property doesn't fully cover its own payments. Most commercial lenders require 1.20x minimum.
Yes — non-recourse loans are available for stabilized properties with strong DSCR, typically at higher loan amounts ($2M+). Non-recourse means the lender can only pursue the property itself in case of default, not your personal assets. Most non-recourse loans include "bad boy" carve-outs for fraud or misrepresentation.
Commercial loans typically take 30–60 days from application to close, compared to 21–30 days for residential. The timeline depends on property complexity, appraisal scheduling, environmental reports, and entity/title documentation. We work to move as fast as possible on every deal.
Commercial loans are structured around your property and goals. Book a call with Rene to discuss your scenario.