Commercial financing has its own rules, lenders, and paperwork. Your file gets underwritten with the same rigor as an owner-occupied deal, then packaged the way commercial underwriters expect to see it.
Net operating income, cap rate, and debt-service coverage drive every commercial decision. Your file is structured to lead with the deal's strongest numbers, the way underwriters read it.
Multi-unit, mixed-use, owner-occupied, or land: each carries a different lender appetite. Your deal goes directly to the lenders active in that property type right now.
Terms get negotiated with the lenders best suited to your deal, and come back as real numbers to compare, not placeholders. If the deal doesn't stack up, that gets flagged early, with the reasoning behind it.
