Commercial property, without the runaround.

Once a building crosses into commercial territory — a 5+ unit apartment building, a storefront with units above, an office or warehouse — the loan works differently: the property's income drives the deal, terms are negotiated, and every lender has its own appetite. We broker these the same way we broker home loans: compare real options, translate the terms into plain language, and tell you honestly which structure fits — in English or Spanish.

Who this is for

  • Investors stepping up from 2–4 unit rentals to a 5+ unit apartment building
  • Owners of mixed-use buildings — storefronts with apartments above
  • Business owners buying the building they operate from instead of renting it
  • Anyone refinancing a commercial property whose loan term is coming due

How it works

  1. Start with the property's numbers

    Rent roll, operating expenses, and the net income the building actually produces. Commercial lenders underwrite that income first — so that's where we start too.

  2. Match the deal to the right lenders

    Banks, credit unions, agency multifamily programs, and private capital all want different deals. We shortlist the lenders whose appetite actually fits your property and your plans.

  3. Compare terms that actually differ

    Commercial quotes vary on more than rate — amortization, loan term, prepayment penalties, recourse. We put them side by side in plain language so the tradeoffs are clear.

  4. Close with the paperwork managed

    Appraisal, environmental review when required, entity documents — commercial closings have more moving parts, and we keep them moving so your timeline holds.

Benefits

One broker for the whole spectrum

From a 5-unit building to an industrial space, we know which lenders actually want each property type — so you're not cold-calling banks one by one.

Terms translated, not just quoted

Prepayment penalties, balloon dates, recourse — we explain what each term costs you in real life before you pick a loan.

Underwritten on the building's income

Commercial loans lean on the property's net operating income, which can work in your favor when your personal tax returns don't tell the whole story.

Refinances that beat the balloon

Many commercial loans come due in 5 to 10 years. We start the refinance conversation early so a maturity date never forces a bad decision.

Frequently asked questions

What counts as a commercial loan?

Generally, financing for property that's primarily business-oriented: apartment buildings with 5 or more units, mixed-use buildings, retail, office, industrial, and buildings a business buys to operate from. Rentals with 1–4 units usually stay on the residential side — often a DSCR loan — and we handle those too, so you don't have to guess which bucket your property falls in.

How is qualifying different from a home loan?

The building carries more of the weight. Lenders focus on the property's net operating income and how comfortably it covers the proposed payment, alongside your experience, credit, and reserves. Terms are also more negotiable than residential loans — which is exactly where having a broker compare offers pays off.

How much do I need to put down?

Most commercial purchases land somewhere between 25% and 35% down, depending on the property type, its income, and the lender. Strong multifamily deals tend toward the lower end; specialty properties ask for more. We'll give you a realistic read on your specific deal before you write an offer.

What loan terms should I expect?

Commercial loans often carry a 5-to-10-year term with a longer amortization, which means a balloon balance comes due at maturity — refinancing at that point is normal and planned for. Prepayment penalties are also common. None of that is a problem if you see it coming, and we make sure you do.

Can I buy the building my business operates from?

Yes — owner-user purchases are a big part of commercial lending, and some programs are built specifically for them. Owning the building can turn rent into equity, and we'll compare owner-user options against standard commercial terms for your situation.

Is a 5-unit building really that different from a 4-unit one?

Financing-wise, yes. Four units can still use residential-style loans; at five, you're in commercial territory with different underwriting, terms, and lenders. If you're deciding between properties on either side of that line, we'll show you both sets of numbers so the loan doesn't make the decision for you.