How do lenders evaluate a commercial loan?

They start with the property's income and cash flow, then look at the deal structure, the market, and your experience and financial strength as the sponsor.

What types of properties qualify?

Multifamily, office, retail, industrial, and mixed-use are the most common. Program availability varies by asset class and location.

Do I need previous experience to qualify?

Experience helps and can improve pricing, but it is not always required. A well-structured deal with solid financials can still qualify.

How much down payment is required?

Typically 20%-30%, depending on the property type, the income it produces, and the overall risk profile of the deal.

Can I use commercial financing to refinance or improve a property?

Yes. Commercial loans are regularly used for acquisitions, rate-and-term refinances, cash-out refinances, and repositioning or improvement plans.

How is this different from a DSCR loan?

DSCR loans are residential investment loans on one-to-four unit rentals, qualified by market rent. Commercial loans cover five-plus unit and non-residential assets and underwrite the full operating picture.

Programa de préstamo

Commercial Loans

Financing structured around property income, risk, and strategy.

Commercial financing funds income-producing real estate - office, retail, industrial, multifamily, and mixed-use. Underwriting centers on the asset itself: what it earns, what it costs to operate, and how the deal is structured. Your experience and financial profile still matter, but the property carries the file.

Obtener Preaprobación Hablar con un Asesor de Préstamos

Pago mensual estimado

$3,251.75

Cap. e Int. $2,560

Impuesto $375

Seguro $131

PMI $186

Precio de la casa$450,000

Enganche$45,000 · 10%

Tasa de interés6.500%

Plazo del préstamo

Solo una estimación. Los impuestos, seguros y PMI varían según la ubicación y el programa de préstamo.

Obtener Preaprobación

Para quién es

Ideal Para Estos Compradores

Investors buying multifamily, office, retail, industrial, or mixed-use property
Owners refinancing or repositioning an existing commercial asset
Business owners purchasing the building they operate from
Borrowers whose deal is stronger than their personal tax returns suggest

Guía de crédito

Most commercial programs look for 660 or better, though a strong asset and experienced sponsor can offset a lower score.

Enganche

Plan for 20%-30% down. Multifamily often prices best; specialty and single-tenant assets usually require more equity.

Costos de cierre

Budget 2%-5% of the loan amount plus third-party reports - appraisal, environmental, and property condition assessments are common on commercial files.

Cronograma

Most commercial loans close in 45-60 days. Third-party reports, not underwriting, usually set the pace.

Beneficios

Qualification driven by property cash flow rather than personal income alone
Flexible deal structures for acquisition, refinance, or repositioning
Support across multiple property types and asset classes
Entity ownership is standard - close in an LLC, LP, or corporation

Consideraciones

Larger down payment than residential financing
Shorter terms with balloon or reset structures on many programs
Longer diligence: appraisal, environmental, and title work take time

Revisión honesta

Para Quién Este Préstamo No Es La Mejor Opción

La mejor hipoteca no es la del titular más llamativo - es la que se ajusta a su situación. Si alguna de estas lo describe, probablemente otro programa funcione mejor.

Buyers of a primary residence or a one-to-four unit rental - those are residential programs
Investors who need the lowest possible rate (residential loans price better)
Deals without documented property income or a credible plan to create it

Requisitos

Lo Que Necesitará Para Calificar

Down payment generally 20%-30% depending on asset and risk
Property income that covers debt service with room to spare
Rent roll, operating statements, and a clear exit or hold strategy
Borrower financial statement and schedule of real estate owned

Documentos

Tenga Esto Listo

Rent roll and current leases
Trailing 12 months of operating statements
Two years of business and personal tax returns
Personal financial statement and schedule of real estate owned
Purchase contract or existing loan statement
Entity documents for the borrowing LLC or corporation

Preguntas frecuentes

Preguntas que escuchamos sobre commercial loans

Financing used to purchase, refinance, or improve income-producing property such as office, retail, industrial, or multifamily assets. It is underwritten around the property rather than a household budget.

Relacionado

Más para compradores de commercial loans

Los términos del programa, tasas, crédito y requisitos de elegibilidad están sujetos a cambio. La aprobación no está garantizada. Todos los préstamos están sujetos a aprobación crediticia y a las pautas del programa. No todos los solicitantes calificarán.

Commercial Loans

Vea si Commercial Loans se ajusta a su situación.

Una preaprobación de 10 minutos le da números reales y un asesor con licencia que responderá sus preguntas - sin presión, sin obligación.

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Commercial Loans

Ideal Para Estos Compradores

Beneficios

Consideraciones

Para Quién Este Préstamo No Es La Mejor Opción

Lo Que Necesitará Para Calificar

Tenga Esto Listo

Preguntas que escuchamos sobre commercial loans

Más para compradores de commercial loans

Compare programas similares

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Guías descargables gratuitas

Vea si Commercial Loans se ajusta a su situación.