Commercial Lending Blog

Portfolio Loans for Commercial Real Estate 2026

Need flexible commercial financing? Learn how portfolio loans work, who qualifies, and why they beat conventional options for unique investment properties.

Feb 12, 202610 min read

Interest-Only vs Amortizing Commercial Loans

How do lenders underwrite IO vs fully amortized commercial loans? See how DSCR is calculated for each and when borrowers must qualify at the amortizing rate.

Marina Financing: Complete Loan Guide 2026

Need financing for a marina or boatyard? Learn which loan types work, what rates to expect, and how to qualify for marina commercial real estate loans.

Fixed vs Variable Rate Commercial Mortgage Explained

Choosing between a fixed or variable rate commercial mortgage? Compare costs, risks, and scenarios to pick the right rate structure for your investment.

Data Center Financing: Complete Loan Guide 2026

Need financing for a data center? Learn which loan types work for data center acquisitions, what rates to expect, and how lenders evaluate these assets.

Medical Office Building Financing Guide 2026

Need financing for a medical office building? Learn loan options, current rates, qualification requirements, and what makes MOBs attractive to lenders.

DSCR Loan vs Conventional Mortgage for Investors

Comparing DSCR loans and conventional mortgages for investors? Learn key differences in qualification, rates, and when each loan type makes sense.

CRE Due Diligence Checklist for Acquisitions

Worried about missing something in a commercial acquisition? This due diligence checklist covers financial, physical, and legal steps every buyer needs.

2026 Commercial Real Estate LTV Ratios by Asset Class

2026 LTV benchmarks: multifamily up to 80%, office 65-75%, retail 65-70%. See maximum leverage by asset class, lender type, and how to qualify for more.

Construction to Permanent Loan Guide for 2026

Construction-to-permanent loans combine building and long-term financing in one closing, saving 1-2% in fees. Full step-by-step process for borrowers.

Baltimore Commercial Mortgage: Market Guide 2026

Baltimore and Ohio offer 150-300bp cap rate premiums over primary markets. Strong CRE fundamentals for investors seeking yield in secondary markets.

Fannie Mae Multifamily Eligible Soft Costs LTC

Full list of Fannie Mae eligible soft costs for multifamily LTC: legal, architecture, permits, reserves, and more. Includes DUS caps and doc requirements.

Lease Rollover Risk and Rent Roll Analysis for CRE

Learn how to model lease rollover risk using WALT calculations, stress-test your DSCR scenarios, and audit rent roll data quality before CRE acquisitions.

USDA Construction Loans: Build a Home with 0% Down 2026

USDA construction loans offer 0% down with a single-close process for rural areas. Income limits, eligible locations, and 2026 requirements explained.

Self-Directed IRA Real Estate: CRE Investing Guide

Want to buy commercial property with retirement funds? Learn SDIRA rules, non-recourse financing, and UBIT taxes for commercial real estate investors.

Mezzanine Debt vs Preferred Equity for CRE

Not sure whether mezzanine debt or preferred equity fits your deal? Compare costs, legal rights, and capital stack positioning for smarter gap financing.

Multifamily LTV Ratios: Complete 2026 Guide

Unsure about your multifamily LTV ratios? Compare 2025-2026 leverage limits from Fannie Mae, Freddie Mac, CMBS, banks, and bridge lenders by deal type.

The 910-Day Rule Explained for Real Estate Investors

Confused by the 910-day rule for investment properties? Learn how IRS Section 121 timelines work and how to legally exclude capital gains on conversions.

Finance Rental Property Without Tax Returns in 2026

Tax returns hurting your loan approval? DSCR loans qualify you based on rental income alone, no personal income docs needed. For investors with 1.20+ DSCR.

Commercial Real Estate Risk Assessment Guide

Learn how to identify, evaluate, and mitigate the 9 key categories of CRE investment risk. Build a risk-adjusted return framework for property investors.

Operating Expense Analysis for Commercial Real Estate

Learn to analyze commercial real estate operating expenses with expert benchmarking methods, expense ratio data, and proven cost reduction strategies.

Comparable Sales Analysis for Commercial Real Estate

Learn how to find and analyze comparable sales for commercial property valuation. Covers key data sources, adjustment factors, and PSF analysis methods.

Title and Survey Due Diligence Guide

Discover how CRE investors review title commitments, ALTA surveys, and lien searches before closing. Complete step by step due diligence guide inside.

Commercial Property Inspection Checklist 2026

Master your commercial property inspection checklist. Covers structural, mechanical, and safety systems plus deferred maintenance and CapEx budgeting.