Cap Rates by California Metro and What Lenders Will Accept
How cap rates are derived, extracted from comparable sales and stressed by lenders in the exit test, plus how to source current figures for your own metro and property type.
Ground Lease vs Fee Simple: The Financing Consequences
On a ground lease your collateral is a lease that can end. Remaining term, subordination and leasehold mortgagee protections decide whether the deal is financeable and on what terms.
Retail Strip Center Financing: How Tenant Mix Drives Your Terms
Tenant mix, not the rent roll total, sets your loan amount. How lenders score credit versus local tenancy, treat rollover inside the loan term, and read co-tenancy clauses.
Industrial and Warehouse Property Loans in the Inland Empire
Clear height, dock configuration, truck court depth and electrical service decide who can lease an Inland Empire warehouse, and the tenant pool decides how a lender sizes the loan.
Hotel Financing SBA 7(a) vs Conventional: How Lenders Decide
RevPAR, the franchise agreement and the PIP decide a hotel loan before leverage does. Here is how SBA 7(a) and conventional execution differ, and which facts about your deal pick the route.
Self Storage Financing in California: What Lenders Underwrite
Lenders size storage debt off economic occupancy, not the occupancy on your tour. Here is what a California self-storage underwriting file actually contains, and the tax line that moves it most.
Buying a Medical or Dental Practice Building in California
Practice goodwill and real property are financed differently. How lenders stack a 7(a) and a 504, apply the 51 percent occupancy test, and where build-out costs create an equity gap.
Financing a Gas Station or Car Wash with an SBA Loan
Fuel-site and car wash financing turns on environmental sequencing as much as cash flow. How lenders scope Phase I and Phase II work, handle USTs, and choose between 7(a) and 504.
SBA 504 Refinance: Pulling Equity Out of Property You Already Own
The 504 program lets you refinance owner-occupied property and take proceeds out, but it defines both narrowly. Here are the eligibility tests, the cash-out cap and the closing sequence.
Commercial Loan Document Checklist: The 28 Documents Your Lender Will Ask For
A commercial loan document checklist of 28 items grouped the way a lender’s closing checklist is organized, with a due-date schedule and the five items that most often delay funding.
