Perspectives
SBA 504 Loan DSCR Calculation Formula: Practical Guide for Professionals
We calculate the SBA 504 loan DSCR using the formula: DSCR = Net Operating Income (NOI) / Annual Debt Service. Annual Debt Service includes principal,
Mastering SBA 504 Debt Refinancing Without Expansion Rules
We guide business owners through SBA 504 debt refinancing without expansion rules, allowing qualification up to 90% LTV on eligible commercial debt. Updated rules eliminated
SBA Loan Referral Fees for Commercial Real Estate Brokers: Rates, RESPA, & SBA Form 159
We typically pay commercial real estate brokers a referral fee between 0.5% and 1% of the SBA loan amount upon closing. All referral payments adhere
Commercial Real Estate Financing for Medical Office Buildings
We provide commercial real estate financing for medical office buildings through SBA 504, 7(a), and conventional loans. Features include up to 90–100% LTV, competitive fixed
Structuring SBA 504 Loans for Change of Ownership Real Estate Acquisitions
Learn how to structure SBA 504 loans for change of ownership real estate acquisitions, including 100% buyout rules, 51% occupancy, and companion 7(a) strategies
Owner-Occupied vs Investment CRE Loans in Idaho
Owner-occupied commercial real estate loans in Idaho offer 10% down and fixed rates, while investment loans require 25-35% down and tenant NOI.
Owner-Occupied Commercial Property Financing Terms: Comprehensive Guide
We offer owner-occupied commercial financing for properties where your business occupies at least 51% of space. Typical terms include 10% to 20% down, amortizations up
Owner-Occupied Commercial Mortgage Application Document Checklist
Streamline your loan approval with our comprehensive owner-occupied commercial mortgage document checklist, covering business financials, personal documentation
Down Payment Requirements for Self Storage SBA Loans: A Complete Guide
Explore explicit SBA equity injection percentages, seller carryback rules, and down payment comparisons across SBA 7(a), SBA 504, and conventional self-storage
Refinancing a Hard Money CRE Loan into an SBA 7(a) Loan: Complete Guide
Learn how to refinance high-interest hard money CRE loans into long-term SBA 7(a) debt. Explore eligibility, owner-occupancy rules, and seasoning requirements.
SBA 7(a) Refinancing for Commercial Real Estate Debt: Complete Guide
We help business owners refinance existing commercial real estate debt into SBA 7(a) loans, securing up to 25-year terms and lower monthly payments to preserve
SBA 504 Loan Guide for Commercial Real Estate Brokers
Discover how CRE brokers can leverage SBA 504 loans to convert tenant prospects, close deals with 10% down payments, and earn full commissions.