What commercial financing covers
Commercial real estate financing applies to income-producing property — multi-family residential, mixed-use, retail, office, light industrial, and other commercial assets. Underwriting focuses on the property's net operating income and the borrower's experience with asset class.
How it differs from residential loans
Commercial loans weigh the property's cash flow and the sponsor's track record more than personal income, and terms are often shorter with different amortization. The structures are more flexible but require a clearer operating plan.
- •Underwritten on net operating income and cap rate
- •Sponsor experience with the asset class matters
- •Terms and amortization differ from residential
- •Often used for acquisition, refinance, or value-add repositioning
Who this is for
Investors graduating from single-family into multi-family or mixed-use, or experienced operators seeking flexible capital for a commercial acquisition or refinance.
Typical next steps
Share the asset type, purchase price, current or projected income, and your experience. We can outline which commercial structure fits and route you to underwriting.
Frequently Asked Questions
Does commercial financing require personal guarantees?
Many commercial loans require a personal guarantee from the sponsor, though some non-recourse structures exist. It depends on the lender, asset, and deal size.
Can I finance a value-add reposition?
Yes. Many commercial programs support acquisition plus improvements, often with draws or a bridge-to-stabilization structure.
What's the minimum deal size?
Minimums vary by lender and product. Share your deal and we'll confirm whether a program fits before you spend time on a full application.
Real Estate Funding Path
Visit our specialist site to continue this process.