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Commercial Financing HQ offers commercial mortgage services for traditional properties and non traditional properties, such as multifamily, self-storage, mixed-use, office, retail, warehouse, hospitality, light industrial, marinas, land, funeral homes, auto services, special purposes, day care center, restaurant, car wash and more.
Every conceivable type of commercial property loan is available including income property, land loans, bridge loans, mezzanine financing, private money, hard money, and mergers & acquisitions deals as well.
Commercial real estate lenders judge your ability to repay a loan based on the debt coverage service ratio formula, as opposed to residential real estate which uses a debt-to-income formula. This means that to qualify for a commercial loan, you’ll need to know what your projected return on investment (ROI) will be when purchasing or refinancing the property.
The cash flow generated from your commercial real estate property will be one of the factors in determining both the value of the property as well as its future return. The type and amount of your commercial loan is also dependent on other factors, including your business and personal credit history, your net worth or financial strength, the type of property and its overall condition, its cash flow, the geographical location of the property, and the general economic outlook of the local market.
The first step to purchasing or refinancing your commercial property is to know exactly how you’ll use the property. What type of property will you acquire? How will the property be used to improve your cash flow and financial goal? How long will you hold the property? Will you be an owner/tenant or just an investor? And do you have an exit strategy?
These are all questions you’ll want to think about before contacting us for your commercial financing. After you’ve established the market need and use for the property, you’ll also want to analyze its current and future cash flow that will contribute to your ROI then give us a call. We are here ready to help you get started and answer any questions you may have.


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