I’m looking for input from private lenders and operators who have experience structuring secured loans for small commercial manufacturing businesses.Here’s the situation:I operate a Delaware holding company that owns a licensed cannabis-infused beverage and consumer goods manufacturing operation in Denver.

"Would you say that looking back, going through the legwork of establishing a Reg D entity was worthwhile for you on that deal in comparison to just establishing a basic LLC structure with multiple members?"

I put my CPA and attorney in the same room when structuring all my different LLCs.They suggested I have one business account that receives all my income from all my non IRA owned properties and it pays all the non IRA bills.

2) Sales price3) Term of agreement until full balance paid (often called a balloon payment)4) Amoritization time for payment calculation5) Interest rateOften these deals are structured with balloon agreements - you may amoritize the payments over x years, but the Note must be paid off in y years.

I’m exploring the best way to structure financing for this type of asset.

Working through underwriting on a stabilized small multifamily portfolio in the Des Moines / Ames, IA market, and pressure-testing different capital stack and refinance paths.Deal context:Asset: 29-unit multifamily portfolioSubmarket: Student housing near ISUOccupancy: 100% in-place2024 NOI: ~$239K (actual)Status: Off-market, pre-LOICapital structure being evaluated:Conventional bank debt at acquisition (conservative leverage)Equity structured cleanly (no complex JV or promote layers)In-place cash flow maintained during holdRefinance window: 12–36 months to simplify the stack and optimize long-term debtThe goal is to avoid high-cost short-term capital on an already stabilized asset, while keeping DSCR strong and flexibility high for the refi.Curious how others in this group are seeing:Conventional vs. bridge execution on stabilized MF todayRefi seasoning requirements lenders are actually enforcingStructures that preserve cash flow while remaining refi-friendlyOpen to comparing notes with anyone actively lending on or structuring similar deals in the Midwest.Best,Eduardo Cambil

​As portfolios grow, flexibility becomes just as important as cash flow.​​How are landlords structuring their properties today to stay adaptable for refinancing, portfolio shifts, or future acquisitions?

From your experience, how much does financing structure affect long-term management decisions like reserves, rehab timing, or staffing?

I’ve been spending more time underwriting stabilized commercial retail and thinking through different capital stack structures — especially where senior debt, seller participation, and a small equity tranche coexist.Curious how active syndicators here think about aligning early-stage capital with assets that are already cash flowing and highly occupied, particularly when the goal is clean execution rather than heavy value-add.Do you generally prefer simplicity (straight equity) or more structured approaches (prefs, hybrid positions) in those situations?

Your structure looks good and the numbers make sense.