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CommercialFinancing for what you are building.
From mixed use buildings to small commercial and multi unit investment properties, I help structure financing around your plans and cash flow. For larger or specialized deals, I can bring in a trusted commercial specialist when needed.
Is this right for you?
Mixed use
Storefront with residential units above.
Multi unit residential
Five units and up, and growing portfolios.
Owner occupied
Buying the building your business operates from.
Investment and land
Purchases, refinances and equity take outs.
Clear steps, no surprises.
Deal overview
Property, price, income and your plans.
Financials
Rent roll, operating statements and personal net worth.
Lender match
Term, amortization and covenants compared.
Commitment to close
Appraisal, environmental and legal coordinated.
What lenders look at
Options, not pressure. I will lay out the trade offs, including when the right answer is to wait.
math first, always
Debt service coverage
The property's income compared with the proposed payments.
Down payment is usually larger
Commercial financing typically needs more equity than residential.
Timelines run longer
Appraisals and reports take time, so start early.
Common questions
What size of commercial deal do you handle?
Mainly small commercial and investment properties. For larger deals I can bring in a trusted commercial specialist when needed.
Can I use residential rules for a 4 unit property?
Properties with up to four units are usually financed as residential. Five units and up are typically commercial.
What documents will I need?
Usually a rent roll, operating statements, leases, and personal and business financials. I will send a checklist.
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Ready when you are.
Start your application online, or book a relaxed conversation first. No pressure either way.
Prefer the phone? Call 613-714-9499. Office visits by appointment.