What This Covers
Commercial mortgage financing covers a wider range of property types than most people expect. Whether you own or are acquiring a mixed-use building, a multi-family apartment property, a retail strip or freestanding commercial unit, or an office space, the financing structure and lender requirements are fundamentally different from a residential purchase. I work across all of these property types:
- Mixed-use buildings combining residential and commercial space
- Multi-family and apartment financing, including 5+ unit residential
- Retail and office property acquisition or refinance
- Refinancing existing commercial holdings to access equity or improve terms
Why Commercial Is Different
Commercial underwriting does not follow the same rules as residential. Lenders look at the income generated by the property itself, your business financials, the lease structure, and the property’s location and use class. The qualifying criteria, lender pool, and documentation requirements are all different from what you’d see on a residential file. I work in this space directly and know which lenders are competitive for a given property type and what they need to see in the application. Contact me to discuss your specific situation and I can give you a straight answer on what’s possible.