Your Lender Connections NMLS #

Residential & Commercial

Hundreds of Lenders,
One Credit Pull

For both residential and commercial borrowers, a brokerage company has access to submit and shop your file to hundreds of lending partners with just one credit pull. Because lenders are competing for your loan, this structure results in better rates, more favorable terms, and greater certainty that the deal will close.

As a mortgage broker and investor, I have purchased and sold over 40 properties over the years. I meticulously review files from both sides of the table — the lender's and the owner's.

Please let me know how I can help with your lending needs.

Commonly Financed

  • Office, retail & mixed-use
  • Multifamily & apartment buildings
  • Warehouse & light industrial
  • Hospitality & restaurant property
  • Owner-occupied business real estate
  • Investor portfolios & DSCR loans
  • Bridge & short-term financing

Start Here

Apply, Check Your Credit, Run the Numbers

Everything in one place. Nothing here costs anything, and none of it commits you to a loan.

Start Your Application Check Your Buying Power Mortgage Calculator Talk or Message Me Now

A pre-qualification credit review is a soft inquiry and does not affect your credit score.

Commercial Financing

Several Types, Each With a Purpose

Commercial borrowing is rarely a single product. Most deals use one of these, and plenty use two together.

Commercial Real Estate

For acquiring, refinancing or developing commercial property — the core product behind most owner-occupied and investment deals.

Business Line of Credit

A revolving line up to a set amount. Draw what you need, repay it, and draw again — useful for payroll, inventory and the gaps between money going out and coming in.

Term Loans

A fixed amount repaid on a set schedule. The straightforward choice for equipment, expansion, or any project with a known cost and a known timeline.

Bridge Loans

Short-term financing that bridges the gap between buying a new property and selling the one you hold. Convenient and fast, though typically priced above long-term financing and repaid quickly — usually within about two years.

Commercial Construction

Funding to build in the private or public sector, whether the finished space is for sale, for lease, or built to the owner's own specifications.

SBA 7(a) & 504

Government-guaranteed business lending, with longer amortizations and less money down for businesses that meet the eligibility rules.

How Commercial Files Are Read

The Three C's of Commercial Lending

Commercial underwriting varies more than residential does, and every lender sets its own standards. Nearly all of them, though, weigh the same three things on an income-producing property.

Cash Flow

Does the property or the business produce enough income to carry the debt comfortably? On income-producing real estate this is measured as a coverage ratio — the same arithmetic behind a DSCR loan.

Collateral

What secures the loan, and what is it genuinely worth? A commercial appraisal establishes value from sales comparisons, income and replacement cost. Borrowers are usually asked to assign the leases and rents as added security.

Credit of the Borrower

The track record behind the request — credit history, experience with this kind of asset, and the strength of whoever is guaranteeing the note.

Knowing which of the three is the weak spot in your file is most of the work. It decides which lenders are worth approaching and how the deal should be structured before it ever goes out.

SBA Lending

  • SBA 7(a) — working capital, acquisition, expansion
  • SBA 504 — owner-occupied real estate & equipment
  • Long amortizations, lower money down
  • Business acquisition & partner buyout

SBA programs have their own eligibility rules. A short call is the fastest way to find out whether your business fits before any paperwork starts.

Talk Through Your Deal

Small Business

SBA Loans for Growing Companies

SBA financing is often the difference between a business that waits and a business that moves. The terms are longer, the down payment is smaller, and the structure is built around the way an operating business actually grows.

Tell me what you are trying to do and I will tell you honestly whether SBA is the right tool for it.

Investor Financing

DSCR — The Property Qualifies

DSCR stands for Debt Service Coverage Ratio: the property's rental income measured against its debt. On a DSCR loan it is the property's own numbers that do the qualifying.

That means no paystubs, no W-2s and no tax returns. The file is built around the rent the property brings in, which is what makes it the standard tool for investors holding more than one door.

Ratio requirements, reserves and pricing vary by lender and by property. A short call will tell you whether the numbers work before any paperwork starts.

How DSCR Works

  • Qualifies on the property's rental income
  • No paystubs, W-2s or tax returns
  • No personal income verification
  • Built for investors, LLCs and corporations
  • Close in your LLC or your personal name
  • Long-term and short-term rentals both eligible
  • No cap on the number of properties you own
Talk Through a DSCR Deal

Let's Look at the Numbers Together

Send over the basics and I will come back with real options — not a generic quote.

Start Your Application Talk or Message Me Now