Strategic Commercial Mortgage Solutions "With Success Fees So Low, You won’t be Able to say No"​

 

 

How can we charge so little?
 

Our streamlined business model keeps our overhead expenses extremely low.  We then pass those lower costs directly to our Real Estate and Investor clients.

We have Lenders and Investors for virtually any commercial real estate type of loan or niche with no limits on the loan or funding amounts we can deliver through our network and partnerships. 

To qualify for a commercial real estate loan, lenders typically evaluate several factors. The specific criteria may vary depending on the lender, the type of loan, and the individual or business applying. Here are the key requirements for qualification:

 

• 1. Credit Score:

  • Most lenders require a business or individual to have a strong credit score. Generally, a score of at least 650-700 is preferred, but higher scores can improve the chances of securing a loan with better terms

 

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• 2. Down Payment:

  • A down payment is usually required. For commercial real estate loans, this typically ranges from 10% to 30% of the property’s purchase price, depending on the lender and the type of property.

 

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• 3. Debt-to-Income Ratio:

  • Lenders will evaluate the borrower’s debt-to-income (DTI) ratio, which measures monthly debt payments against monthly income. A lower DTI is preferable, typically under 40-45%.

 

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• 4. Business Financials:

  • Lenders often look for a strong financial history, especially for commercial loans. This can include:

    • Business tax returns (usually 2-3 years).

    • Profit and loss statements.

    • Balance sheets.

    • Bank statements.

    • Cash flow projections.

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• 5. Property Type:

  • The type of property being purchased can impact loan approval. Lenders may have different requirements for office buildings, industrial properties, retail spaces, multi-family units, etc. They will assess the property's value, location, condition, and potential income-generating ability.

 

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• 6. Experience in Real Estate:

  • Lenders often prefer borrowers who have experience in managing commercial real estate. If the borrower is new to the field, they may need to demonstrate strong business experience or have a cosigner with experience.

 

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• 7. Cash Flow:

  • Commercial loans require proof that the borrower’s business or property will generate sufficient income to cover the loan payments. Lenders may require a history of income from a property or projections for future rental income or business revenue.

 

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• 8. Collateral:

  • The property itself usually serves as collateral for the loan, meaning that if the borrower defaults, the lender can seize the property.

 

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• 9. Location:

  • The location of the property plays a significant role in the loan approval process. Properties in high-demand areas are typically easier to finance than those in less desirable locations.

 

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• 10. Loan Term and Interest Rates:

  • Commercial real estate loans usually have shorter terms (5-20 years) and might require a balloon payment at the end. The interest rate can vary depending on the lender and the borrower’s qualifications.

 

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Understanding the specific lender's requirements is important, as each institution (e.g., traditional banks, credit unions, or alternative lenders) may have unique conditions.

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Types of Buildings that generally qualify for a commercial loan include but are not limited to:

• Office Buildings​

• Retail Spaces

• ​Industrial Properties

• ​Multifamily Housing

• ​Hospitality Properties

• ​Mixed-Use Buildings

• ​Special-Purpose Properties

• ​Land for Commercial Development

• ​Healthcare Facilities

• ​Life Science Facilities

• ​Commercial Loan Programs

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Click HERE To Begin Your Application

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