Conventional and alternative CRE financing

Commercial Real Estate Loans

Conventional, DSCR, and bank-statement owner-user financing for commercial property acquisitions, refinancing, cash-out, and selected transition transactions.

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Three distinct programs

Choose the underwriting approach that fits the property and borrower.

Commercial real estate financing is not one product. We evaluate each request under the program that best reflects the property's occupancy, cash flow, and the borrower's financial profile. An owner-occupied warehouse, a stabilized multifamily investment, and a ground-up construction project each carry different risk profiles, different underwriting standards, and different lender appetites — so each is matched to the structure built for it, rather than forced into a single generic loan product. That evaluation happens before a request is presented to any lender, so the financing structure fits the deal from the outset instead of being reworked later in the process.

01

Conventional Commercial Real Estate

Traditional bank and non-bank financing for stabilized owner-occupied or investment properties. Underwriting typically considers borrower or guarantor strength, historical cash flow, property value, and conventional debt-service coverage.

Typically best forEstablished borrowers with documented cash flow and conventional financial reporting.
02

DSCR Commercial Real Estate

Property-focused financing in which qualification is driven primarily by rental income and property-level debt-service coverage rather than the borrower’s personal income or traditional tax-return analysis.

Typically best forInvestor-owned, income-producing commercial properties with stabilized rents.
03

Bank Statement Owner-User Loans

Alternative owner-occupied financing that may use business bank deposits to evaluate operating cash flow when tax returns do not fully demonstrate the business’s actual ability to repay.

Typically best forSelf-employed business owners purchasing or refinancing property occupied by their business.
Common transactions

Purchase, refinance, and cash-out options.

Owner-occupied commercial property purchases
Investment-property acquisitions
Rate-and-term refinancing
Cash-out refinancing for eligible business or property purposes
Selected renovation, construction, and repositioning transactions
Our role

Banker-led structuring from initial review through closing.

Our team evaluates the transaction, analyzes repayment ability, prepares the lending presentation, coordinates lender questions and documentation, and remains involved through approval and closing.