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Commercial Real Estate
Preparing for Commercial Real Estate Financing
A practical look at what lenders typically evaluate when financing commercial property.
Commercial real estate financing rewards preparation. The clearer and more complete your presentation, the more efficiently a lender can evaluate the opportunity.
What lenders commonly review
Expect underwriting to focus on the property, the sponsor, and the numbers:
- Property type, condition, and location
- Rent roll, leases, and occupancy
- Net operating income and expense history
- Sponsor experience and financial strength
- Purchase price or appraised value and the resulting loan-to-value
Getting organized
Assembling financials, leases, and a concise property summary before approaching lenders signals professionalism and speeds review. Terms and structures vary widely across property types and are subject to lender approval.
This overview is general information, not financial, legal, or tax advice. Every situation is different, and all financing is subject to lender criteria and approval.