Mortgage Broker - Commercial

Member since 2025 · 8 posts · 7 votes

Hey guys!

I am looking at some commercials deals and am curious to know what commercial loan terms look like. That is the last piece to my puzzle when underwriting deals. My debt will really define if some of my deals will work or not.

Could you guys point out any mortgage brokers that you would recommend?

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Givo Aghasi

Lender · Los Angeles, CA · Member since 2022 · 238 posts · 73 votes

@Patrick Elias Commercial loan terms can vary widely depending on the property type, borrower experience, and deal structure. Generally, investors can secure up to 75% LTV or 90% CLTV for stabilized properties.

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Givo Aghasi
Lender · Los Angeles, CA · Member since 2022 · 238 posts · 73 votes
1y
@Patrick Elias Commercial loan terms can vary widely depending on the property type, borrower experience, and deal structure. Generally, investors can secure up to 75% LTV or 90% CLTV for stabilized properties.

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Daniel TanasaBusiness Member
Realtor · Houston, TX · Member since 2019 · 351 posts · 174 votes
1y
Hello Patrick,
What kind of commercial property are you looking at? That will influence drastically the LTV and interest you will be able to get.
If you DM me I can put you in touch with some lenders that can help you with this.
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Simran Rihal
Investor · Houston, TX · Member since 2022 · 13 posts · 5 votes
1y
As others have mentioned it depends on the asset class you are looking at. For retail I think they want you to put 30-35% equity (got this from a commercial broker yesterday). For owner user type of SBA lending you can get a higher LTV. I can look up some commercial lenders and DM you but you need to specify what asset/property type you are looking at
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Jared RineBusiness Member
Lender · Sacramento, CA · Member since 2009 · 1k+ posts · 277 votes
1y
@Patrick Elias...you've got some good answers so far, but figured I'd add my $0.02. There are too many factors in commercial to provide you general terms as terms can vary a lot depending on deal factors. There needs to be more information regarding property type, location, type of deal (value-add or stabilized), your financial strength, experience, etc. This, and how flexible you want to be will affect what lenders you approach and who will lend on your deal. General terms are pretty much a disservice. As @Givo Aghasi mentioned, 75% (or up to 90% CLTV) is out there, and I'd agree. But that's so rough. As example, I tend to broker alternative, private and SBA. Assuming numbers + deal checks out, can do 30 yr fixed in low-mid 8's, at best on alternative side.
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Jace Perry
Investor · FL · Member since 2017 · 134 posts · 66 votes
1y
I always underwrite it at 70% ltv, 25 yr am, market rate. Then go from there. Half of my deals are seller financed so those are much different of course.
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Bernadeau C.Pro Member
Rental Property Investor · Orlando, FL · Member since 2014 · 540 posts · 230 votes
1y
i can help with financing when you are ready. send me a DM.
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Krishn Patel
Member since 2025 · 1 post · 1 vote
1y
@Patrick Elias Looks like you got a bunch of replies already, but if you still need help I can run free quotes for you from a database of ~800 Lenders. I am a commercial real estate loan broker, and typically when we run the debt quotes we need to know the County/ZIP, NOI or CAP rate, Purchase Price, Property Type & then i can give you a ballpark down payment. Also if you will be an owner user we can search SBA loans as well. If you are seriously interested in a specific property then we can run a prequalification taking into account you/the borrowers personal high level finances.
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