Qualifying for a commercial mortgage is fundamentally different from getting a residential home loan. Commercial lenders evaluate the property, borrower, and business plan as an integrated package.

DSCR Requirements

Most lenders require 1.20x-1.25x minimum DSCR. SBA: 1.15x. Bridge: may accept below 1.0x with stabilization plan.

LTV Requirements

SBA 504: up to 90%. Banks: 70-80%. Life companies: 55-65%. Construction: 60-75% of completed value.

Credit Score Requirements

Banks: 660-680 minimum. SBA: 650+. Life companies: 700+. Hard money: no minimum.

Documentation Checklist

PFS, tax returns, bank statements, rent roll, operating statements, property photos, purchase contract, borrower resume, entity documents.

What would your deal price at today?

Tell us the loan amount and we'll send indicative pricing from our 1,000+ lender network, usually same day. Loans from $2MM.

No obligation. No credit pull. Or call 310.708.0690.