Commercial mortgage guides by situation

Your commercial loan balloons soon. Size the refinance gap, pick the lender to call first, use the open prepayment window, and fill a shortfall.

How lenders size a commercial cash-out refinance, when a supplemental loan beats a new first mortgage, the agency and FHA limits, and a worked example.

First 5+ unit apartment purchase: which lenders take new investors, why coverage sets your loan, the cash to close, and what underwriters check.

Financing a value-add apartment or commercial renovation: bridge vs bank vs agency vs C-PACE, how the renovation budget is funded, and the exit math.

Exiting a multifamily bridge loan into Fannie Mae, Freddie Mac or FHA debt: the occupancy and coverage tests, takeout sizing, rate locks and gap fixes.

Which commercial lenders still lend after late payments, a foreclosure or a bankruptcy, what it costs, and how to rebuild toward a bank or agency loan.

How non-U.S. investors finance U.S. commercial property: lenders that accept foreign sponsors, the U.S. entity structure, documents and leverage.

Financing 1031 replacement property: replacing the old debt, lenders that close inside the exchange deadlines, TIC and DST limits, reverse exchanges.

Buying out a partner in a commercial property: cash-out refinance vs supplemental loan vs preferred equity vs seller note, lender consent, and the math.

When taking over a seller's low-rate commercial loan beats new financing, which loans are assumable, what the servicer checks, the fees and the gap.

Should you sign a personal guarantee? Measure your exposure, read the carve-outs, price what non-recourse costs, and negotiate limits on a recourse loan.