What a lender needs to see: a CRE/SBA loan package checklist
Build a financing package around the decisions it must support: use of proceeds, repayment, property or business facts, and the questions still unresolved.
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Clear thinking for consequential capital decisions.
Analysis of financing structure, underwriting and the information that matters before a capital path is chosen.
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Fix-and-flip underwriting: ARV, loan-to-cost, rehab budgets and draws
Separate completed value, project cost and available cash. A renovation financing plan should account for how the work gets paid for before the property is sold or refinanced.
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Read insightDSCR, debt yield and LTV: three constraints that can size a CRE loan
A property value does not settle the loan amount. Compare income coverage, debt yield and leverage on consistent assumptions before choosing a financing structure.
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Read insightHow lenders size a DSCR loan on a 1–4 unit rental
Rental-loan sizing starts with the income and payment a program accepts. Understand the calculation, its limits and the questions to resolve before relying on an exit.
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Read insightSBA 7(a) vs. 504: choosing the right structure for a business or real estate financing need
SBA 7(a) and SBA 504 financing can both support significant business investments, but they are designed for different capital needs.
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Read insightBank vs. agency vs. bridge: choosing the right financing path for a multifamily property
Bank, agency, and bridge financing solve different multifamily capital needs.
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Read insightBridge-to-DSCR financing: structuring the path from acquisition to long-term rental debt
A bridge-to-DSCR strategy uses short-term financing to acquire, improve, or stabilize an investment property before refinancing into longer-term debt supported primarily by the property's rental cash flow.
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