# Clear House Lending

> Clear House Lending is a commercial real estate mortgage brokerage connecting borrowers with 6,000+ lenders nationwide. We finance acquisitions, refinances, construction, and value-add projects across all property types. Loan amounts from $100K to $500M+. 50-state coverage with closing times from 5 days (bridge) to 90 days (SBA).

## Company Overview

Clear House Lending helps commercial real estate investors and developers secure financing through a network of over 6,000 active lenders. We specialize in bridge loans, SBA loans, DSCR loans, construction financing, and permanent debt across multifamily, office, retail, industrial, hospitality, and special-use properties. Term sheets are typically delivered in 2-4 weeks for qualified borrowers.

## Commercial Loan Programs

- [Bridge Loans](/commercial-loan-programs/bridge-loans): Short-term financing (12-36 months) for acquisitions, refinancing, and value-add projects. Rates 8-13%, LTV up to 80%, closing in 5-15 days.
- [Construction Loans](/commercial-loan-programs/construction-loans): Ground-up and renovation financing for commercial development projects. Rates 8-12%, LTC 65-75%.
- [CMBS/Conduit Loans](/commercial-loan-programs/conduit-loans): Commercial mortgage-backed securities for stabilized properties. Rates 5-7%, non-recourse, $2M minimum.
- [Permanent Loans](/commercial-loan-programs/permanent-loans): Long-term fixed-rate financing for stabilized commercial properties. 5-25 year terms with 25-30 year amortization.
- [SBA Loans (504 & 7a)](/commercial-loan-programs/sba): Government-backed financing for owner-occupied properties. Rates 5.5-8.5%, as low as 10% down.
- [Acquisition Loans](/commercial-loan-programs/acquisition-loans): Financing for commercial property purchases across all property types and loan structures.
- [Refinance](/commercial-loan-programs/refinance): Replace existing debt with better terms, lower rates, or cash-out for property improvements.

## Development & Specialty Financing

- [DSCR Loans](/development-specialty/dscr): Debt service coverage ratio-based loans qualifying on property cash flow, no personal income verification. Rates 7-10%, 30-year terms.
- [Hard Money Loans](/development-specialty/hard-money): Asset-based private lending with 3-7 day closings. Rates 10-15%, LTV 60-70%.
- [Fix-and-Flip Loans](/development-specialty/fix-and-flip): Short-term renovation financing for residential and commercial investors.
- [Vertical Construction](/development-specialty/vertical-construction): Ground-up and vertical construction financing for commercial development. LTC 65-75%.
- [Horizontal Construction](/development-specialty/horizontal-construction): Site development, infrastructure, and subdivision financing for land developers.
- [Mezzanine Financing](/development-specialty/mezzanine): Subordinate debt providing additional leverage beyond senior financing. Fills the gap between senior debt and equity.
- [Value-Add Financing](/development-specialty/value-add): Financing for property renovation, repositioning, and lease-up strategies.
- [Private Money Lending](/development-specialty/private-money): Non-bank private capital for commercial real estate projects with flexible underwriting.
- [Forward Commitment Programs for Builders](/development-specialty/forward-commitment): Below-market mortgage rate pools for homebuilders. 60-90 day terms, minimum 2 properties per pool.
- [Jumbo Refinance](/development-specialty/jumbo-refinance): Large-balance refinancing for high-value commercial and investment properties.

## Property Type Solutions

- [Multi-Family](/property-type-solutions/multi-family): Apartment buildings and residential complexes (5+ units). Agency, bank, bridge, and DSCR programs available.
- [Office](/property-type-solutions/office): Office buildings and professional spaces including medical, creative, and flex office.
- [Retail](/property-type-solutions/retail): Shopping centers, strip malls, single-tenant NNN, and retail properties.
- [Industrial](/property-type-solutions/industrial): Warehouses, distribution facilities, manufacturing, and logistics properties.
- [Hospitality](/property-type-solutions/hospitality): Hotels, motels, extended-stay, and lodging properties.
- [Special Use](/property-type-solutions/special-use): Self-storage, medical facilities, automotive, car washes, and specialty properties.

## Guides

- [Bridge Loans vs Hard Money](/guides/bridge-loans-vs-hard-money): Side-by-side comparison of speed, cost, and use cases for short-term financing.
- [SBA 504 vs 7a for Commercial Real Estate](/guides/sba-504-vs-7a-commercial-real-estate): Program comparison for owner-occupied property financing.
- [CMBS vs Agency Multifamily Loans](/guides/cmbs-vs-agency-multifamily-loans): Non-recourse loan comparison for apartment investors.
- [DSCR vs Conventional Loans](/guides/dscr-vs-conventional-loans): When to use cash-flow-based vs traditional underwriting for investment properties.
- [Bank Loans vs Private Lenders](/guides/bank-loans-vs-private-lenders): Traditional vs alternative lending comparison for commercial borrowers.
- [Recourse vs Non-Recourse Loans](/guides/recourse-vs-non-recourse-loans): Personal guarantee implications and when each structure applies.
- [Fix-and-Flip: Hard Money vs Bridge](/guides/fix-and-flip-hard-money-vs-bridge): Choosing the right short-term renovation financing.
- [How to Get a Commercial Bridge Loan](/guides/how-to-get-commercial-bridge-loan): Step-by-step process from application to closing in 5-15 days.
- [How to Get an SBA Loan for Real Estate](/guides/how-to-get-sba-loan-real-estate): Complete application process and timeline for SBA 504 and 7a loans.
- [How to Get a DSCR Loan](/guides/how-to-get-dscr-loan): Qualification requirements and process for no-income-verification investment loans.
- [How to Get a Hard Money Loan](/guides/how-to-get-hard-money-loan): Fast-closing private lending process, closing in as few as 3 days.
- [How to Calculate DSCR](/guides/how-to-calculate-dscr): Formula, examples, and minimum ratios lenders require for commercial loans.
- [BRRRR Method Financing](/guides/brrrr-method-financing): Buy, Rehab, Rent, Refinance, Repeat strategy and financing for each stage.

## Tools & Calculators

- [Bridge Loan Calculator](/tools/commercial-bridge-loan-calculator): Estimate bridge loan costs, monthly payments, and total interest for short-term financing.
- [Commercial Mortgage Calculator](/tools/commercial-mortgage-calculator): Calculate loan payments, amortization schedules, and total cost for permanent financing.
- [DSCR Calculator](/tools/dscr-calculator): Determine your debt service coverage ratio and whether your property qualifies for DSCR financing.
- [Jumbo Refinance Calculator](/tools/jumbo-refinance-calculator): Break-even analysis and payment comparison for jumbo mortgage refinancing.

## Investor Resources

- [The Lending Process Explained](/investor-resources/process-explained): How commercial lending works from initial inquiry through closing.
- [Due Diligence Checklist](/investor-resources/due-diligence): What to review before closing on a commercial real estate transaction.
- [Understanding Underwriting](/investor-resources/underwriting): How lenders evaluate deals, key metrics, and approval criteria.
- [Market Insights](/investor-resources/market-insights): Current commercial real estate market conditions and trends.
- [Commercial Lending Glossary](/investor-resources/commercial-lending-glossary): Definitions of key commercial real estate and lending terminology.

## Case Studies

- [Multifamily Bridge Loan Acquisition](/case-studies/multifamily-bridge-loan-acquisition): $8.5M value-add apartment acquisition using bridge financing.
- [Commercial Construction Financing](/case-studies/commercial-construction-financing): Ground-up commercial development project with construction-to-permanent structure.
- [SBA 504 Restaurant Acquisition](/case-studies/sba-504-restaurant-acquisition): Owner-occupied restaurant financing with 10% down through SBA 504 program.

## Commercial Mortgage Rates

- [Commercial Mortgage Rates](/commercial-mortgage-rates): Current 2026 commercial mortgage interest rates by loan type, updated regularly.

## Blog (432 articles)

- [Commercial Large-Balance Refinance ($2M+): Programs and Process](/blog/commercial-large-balance-refinance-guide): Guide to commercial refinancing above $2M. Compare CMBS, bank, life company, and agency programs with NOI underwritin...
- [VA Jumbo Loan Rates 2026: Limits, Eligibility & How to Qualify](/blog/va-jumbo-mortgage-rates-guide): 2026 VA jumbo loan rates with no down payment options. Learn IRRRL streamline refinance, entitlement rules, and count...
- [When to Refinance a Jumbo Mortgage: 5 Signs It Is Time (2026)](/blog/when-to-refinance-jumbo-mortgage): Use our break-even calculator to see if refinancing your jumbo mortgage saves money in 2026. ARM reset timing, rate l...
- [Super Jumbo Mortgage Refinance ($3M+): Programs, Rates, and Lenders](/blog/super-jumbo-mortgage-refinance-guide): Guide to refinancing super jumbo mortgages above $3M. Compare portfolio lender and private bank programs, rates, and ...
- [Jumbo Mortgage Rates Today: Compare 2026 Fixed, ARM & Refi Rates](/blog/jumbo-mortgage-rates): Compare today's jumbo mortgage rates for 30-year fixed, 15-year, and ARM loans. See how 2026 jumbo rates compare to c...
- [Jumbo vs Conforming Loans: Requirements, Rates, and When to Switch](/blog/jumbo-vs-conforming-loan-comparison): Compare jumbo vs conforming loans in 2026: loan limits, rate spreads, qualification differences, PMI rules, and when ...
- [Jumbo Refinance Requirements: Credit Score, DTI, Reserves, and LTV](/blog/jumbo-refinance-requirements-credit-score): Complete guide to jumbo refinance requirements in 2026: credit score tiers, DTI caps, cash reserve minimums, LTV limi...
- [How to Refinance a Jumbo Loan to a Conventional Mortgage](/blog/refinance-jumbo-loan-to-conventional): Learn when and how to refinance a jumbo loan to a conventional mortgage in 2026. Covers conforming limits, rate savin...
- [Jumbo Cash-Out Refinance: Requirements, LTV Limits, and How to Qualify](/blog/jumbo-cash-out-refinance-guide): Learn jumbo cash-out refinance requirements: 75-80% LTV limits, credit score tiers, reserve needs, and how to qualify...
- [Interim Construction Loan: Your Guide to Short-Term Financing](/blog/interim-construction-loan-financing-guide): Learn how interim construction loans work, who qualifies, and how to secure short-term construction financing before ...
- [Rental Income Not on Your Tax Return? How DSCR Loans Help](/blog/rental-income-not-on-tax-return-financing): New rental property investors can get financing even without tax return income history. DSCR loans qualify based on p...
- [Interest-Only vs Fully Amortized Commercial Loans Compared](/blog/interest-only-vs-fully-amortized-commercial-loans): Compare interest-only and fully amortized commercial loans with real payment examples, DSCR impacts, and proven strat...
- [Bridge Loan Pros and Cons: Is It Right for Your Deal?](/blog/bridge-loan-pros-and-cons): Explore the key bridge loan pros and cons for commercial real estate. Compare costs, timelines, and risks to decide i...
- [Spec Home Financing for Builders: A Complete Guide](/blog/spec-home-financing-guide-for-builders): Learn how spec home financing works for builders, including construction draws, takeout options, lender requirements,...
- [How to Finance a Subdivision Development: Step-by-Step](/blog/how-to-finance-subdivision-development-step-by-step): Subdivision financing uses A&D loans covering land, horizontal infrastructure, and lot sales. Learn the full process ...
- [Commercial Real Estate Market Outlook 2026: Rates & Trends](/blog/commercial-real-estate-market-outlook-2026): The 2026 CRE market faces $1.5T in maturing loans, record office vacancies, and potential rate cuts. See our sector-b...
- [SBA 504 vs 7(a) Loans: Which Is Right for Your Business?](/blog/sba-504-vs-7a-loans-comparison): SBA 504 loans offer 10% down for real estate while 7(a) provides flexible funds up to $5M. Compare rates, terms, down...
- [Freddie Mac Multifamily Loans: Programs, Rates, and Requirements](/blog/freddie-mac-multifamily-loan-programs-guide): Freddie Mac multifamily loans start at $1M with 5-30 year terms and up to 80% LTV. Compare Conventional, Small Balanc...
- [Commercial Loan Prepayment Penalties Explained](/blog/commercial-loan-prepayment-penalties-guide): Prepayment penalties on commercial loans range from 1% step-downs to full defeasance costing 5-10% of the balance. Co...
- [Owner-Occupied Commercial Real Estate Loans: Requirements](/blog/owner-occupied-commercial-real-estate-loans-guide): Owner-occupied commercial loans offer lower rates and just 10% down through SBA programs. Compare SBA 504, 7(a), bank...
- [LTV vs LTC in Commercial Real Estate: How Lenders Size Your Loan](/blog/ltv-vs-ltc-commercial-real-estate-explained): LTV caps your loan at a percentage of property value while LTC limits it based on total project cost. Learn when each...
- [HUD 221(d)(4) Loans: FHA Multifamily Construction Guide](/blog/hud-221d4-multifamily-construction-loan-guide): HUD 221(d)(4) loans offer 40-year terms with up to 87% LTC for multifamily construction. Learn requirements, timeline...
- [Construction Loan Interest Rates in 2026](/blog/construction-loan-interest-rates-2026): Construction loan rates in 2026 range from 7.5% for bank loans to 12%+ for hard money. Compare rates by loan type, pr...
- [Defeasance in Real Estate: Costs, Process, and When It Makes Sense](/blog/defeasance-real-estate-explained): Defeasance lets you exit a CMBS or agency loan early by substituting Treasury securities. Learn the process, typical ...
- [CMBS Loan Rates in 2026: Current Spreads and Benchmarks](/blog/cmbs-loan-rates-2026-guide): CMBS loan rates range 6.0%-8.5% in 2026 with spreads of 160-250bp over Treasuries. Compare rates by property type, LT...
- [Debt Yield in Commercial Real Estate: What Lenders Look For](/blog/debt-yield-commercial-real-estate-guide): Debt yield measures NOI against total loan amount, and most lenders require 8-12%. Learn how to calculate it, why it ...
- [Mezzanine Financing for Commercial Real Estate: Complete Guide](/blog/mezzanine-financing-commercial-real-estate-guide): Mezzanine debt fills the gap between senior debt and equity at 10-18% rates. Learn how CRE mezzanine loans work, who ...
- [Cap Rates by Property Type in 2026: What CRE Investors Should Know](/blog/cap-rates-by-property-type-2026-guide): Average cap rates range from 4.5% for industrial to 8.5% for hotels in 2026. See current benchmarks by property type,...
- [Best Real Estate Investing Platforms Compared for 2026](/blog/best-real-estate-investing-platforms): Compare the best real estate investing platforms for 2026. See minimum investments, fees, returns, and pros and cons ...
- [Best Real Estate Investment Platforms in 2026](/blog/real-estate-investment-platform): Compare the best real estate investment platforms in 2026 including crowdfunding, REITs, syndication, and fractional ...
- [Commercial Real Estate Market: Trends and Outlook for 2026](/blog/commercial-real-estate-market): Explore the 2026 commercial real estate market outlook with sector analysis, cap rate forecasts, lending trends, and ...
- [Net Lease Properties: Types, Benefits, and How to Invest](/blog/net-lease): Learn about net lease properties including single, double, and triple net leases. Discover cap rates, benefits, and f...
- [What Is a REIT? How Real Estate Investment Trusts Work](/blog/what-is-a-reit): Learn what a REIT is, how real estate investment trusts work, the types of REITs, dividend yields, tax rules, and how...
- [Commercial Real Estate Broker: How They Help You Buy and Sell](/blog/commercial-real-estate-broker): Learn what commercial real estate brokers do, how commissions work, and why CRE broker representation matters for buy...
- [Real Estate Depreciation: How It Works and Why Investors Use It](/blog/real-estate-depreciation): Learn how real estate depreciation works, IRS recovery periods, cost segregation savings, and how commercial investor...
- [Real Estate Crowdfunding Platforms: Top Options for 2026](/blog/real-estate-crowdfunding-platforms): Compare the best real estate crowdfunding platforms for 2026. See minimum investments, returns, fees, and how to pick...
- [Commercial Real Estate Agent: What They Do and How to Choose One](/blog/commercial-real-estate-agent): Learn what commercial real estate agents do, how they differ from brokers, and how to choose the right CRE agent for ...
- [NNN Lease: What It Means for Commercial Investors](/blog/nnn-lease): Learn how NNN lease investments generate passive income for investors. Covers tenant credit analysis, cap rates, deal...
- [Opportunity Zones: Tax Benefits and Investment Guide for 2026](/blog/opportunity-zone): Discover opportunity zone tax benefits for 2026, including capital gains deferral, 10-year exclusion, and the new OZ ...
- [Gross Lease in Commercial Real Estate: A Complete Guide](/blog/gross-lease): Learn how gross leases work in commercial real estate, including cost structures, negotiation strategies, and how the...
- [Commercial Property Management: What Investors Need to Know](/blog/commercial-property-management): Learn how commercial property management impacts NOI, tenant retention, and property value. Covers fees, key metrics,...
- [Modified Gross Lease: Complete Guide for CRE Tenants](/blog/modified-gross-lease): Learn how a modified gross lease works in commercial real estate, including expense splits, negotiation tips, and com...
- [Triple Net Lease Explained: Investor Guide for 2026](/blog/triple-net-lease): Learn how triple net leases work, typical cap rates, tenant types, and financing options. A complete NNN investor gui...
- [Cash on Cash Return: What It Is and How to Calculate It](/blog/cash-on-cash-return): Learn how to calculate cash on cash return for real estate investments. Covers the formula, worked examples, benchmar...
- [Cap Rate: What It Is and Why Investors Use It](/blog/cap-rate-explained): Learn what cap rate means, how to calculate it using NOI and property value, what good cap rates look like by propert...
- [Adaptive Reuse in Commercial Real Estate: A Complete Guide](/blog/adaptive-reuse-commercial-real-estate-guide): Discover how adaptive reuse in commercial real estate converts old buildings into profitable investments. Financing, ...
- [Commercial Refinancing Guide: When and How to Refinance](/blog/commercial-refinancing-guide): Learn when and how to refinance commercial real estate. Covers rate-and-term vs cash-out options, LTV and DSCR requir...
- [What Is a Commercial Bridge Loan? Complete Guide](/blog/what-is-commercial-bridge-loan): Learn what a commercial bridge loan is, how it works, typical rates and terms, common use cases, requirements, and wh...
- [Entitlements and Zoning Approvals for CRE Development](/blog/entitlements-zoning-approval-guide): Learn how entitlements and zoning approvals work in commercial real estate development, including timelines, costs, v...
- [Ground Up Commercial Development: The Complete Guide](/blog/ground-up-commercial-development-guide): Master ground up commercial development from site selection to lease-up. Covers costs, financing, timelines, risks, a...
- [Freddie Mac Multifamily Eligible Soft Costs and LTC](/blog/freddie-mac-multifamily-eligible-soft-costs-ltc): Guide to Freddie Mac multifamily eligible soft costs and loan-to-cost calculations. Learn which soft costs qualify, L...
- [SBA Loans for Commercial Real Estate: Complete Guide](/blog/sba-loan-commercial-real-estate): Learn how to use SBA 7(a) and 504 loans for commercial real estate. Compare rates, requirements, down payments, and e...
- [How Does Condo Development Work?](/blog/how-condo-development-works): Condo development takes 18-36 months from land acquisition to unit sales. Full process breakdown covering financing, ...
- [What Qualifies as a Master-Planned Community?](/blog/what-is-a-master-planned-community): Master planned communities combine residential, commercial, and recreational areas under one development vision. Lear...
- [What Is an AD&C Loan?](/blog/what-is-an-adc-loan): AD&C loans fund land purchase, site development, and building construction in one package. Learn rates, phases, requi...
- [How to Develop a Subdivision Step by Step](/blog/how-to-develop-a-subdivision): Learn how to develop a subdivision from raw land to finished lots. Covers entitlements, budgeting, timelines, financi...
- [How Does Infrastructure Finance Work for Subdivisions?](/blog/how-infrastructure-finance-works): Infrastructure finance for subdivision development uses construction loans, special assessment districts, and TIF fun...
- [Land Due Diligence Checklist for Developers](/blog/land-due-diligence-checklist): Missing one item on your land due diligence checklist can cost six figures. Use this comprehensive checklist covering...
- [How Does Buying a Tract Home Work?](/blog/how-buying-tract-home-works): Learn how tract home buying and financing works for buyers and builders. Covers pricing, builder incentives, and subd...
- [How Profitable Is Subdividing Land in 2026?](/blog/how-profitable-is-subdividing-land): Learn how profitable subdividing land can be with real ROI data, cost breakdowns, profit margins by project size, and...
- [The Subdivision Appraisal Method Explained](/blog/subdivision-appraisal-method): Learn how the subdivision appraisal method values raw land by projecting lot sales, costs, and absorption rates - and...
- [What Does a Platted Subdivision Mean?](/blog/what-is-a-platted-subdivision): A platted subdivision is land legally divided into buildable lots with recorded boundaries. Platting costs, process t...
- [Townhouse Development Financing Guide 2026](/blog/townhouse-financing-guide): Learn how to finance townhouse developments with construction loans, AD&C financing, and phased draw schedules. Rates...
- [How to Finance a Subdivision Development 2026](/blog/how-to-finance-subdivision-development): Subdivision development financing requires 25-35% down with rates from 7.5-12%. Learn loan types, draw schedules, and...
- [Are Utilities Included in a Construction Loan?](/blog/are-utilities-included-construction-loan): Learn which utility costs construction loans cover, from water and sewer to electric hookups, and how to budget infra...
- [What Loans Do Builders of Subdivisions Use?](/blog/loans-used-by-subdivision-builders): Not sure which loans subdivision builders use? Compare AD&C loans, bridge loans, blanket loans, and spec construction...
- [PUD Advantages and Disadvantages](/blog/pud-advantages-and-disadvantages): Weighing PUD advantages and disadvantages? Learn how planned unit developments affect financing, property values, and...
- [What Is a Spec Construction Loan?](/blog/what-is-a-spec-construction-loan): Spec construction loans fund homes built without a buyer. Learn rates, LTV limits, draw schedules, and lender require...
- [Development Finance Deposit Requirements for 2026](/blog/development-finance-deposit-requirements): What deposit do you need for development finance? Compare down payment requirements by loan type, learn equity strate...
- [What Is a Construction Takeout Loan?](/blog/what-is-a-construction-takeout-loan): A construction takeout loan replaces your building loan with permanent financing at lower rates and longer terms. Lea...
- [What Is the Minimum Land Size for a Subdivision?](/blog/minimum-land-size-for-subdivision): Wondering how much land you need to subdivide? Learn minimum lot sizes by state, zoning requirements, and financing o...
- [How to Raise Money for a Development Project 2026](/blog/how-to-raise-money-development-project): Learn proven strategies to raise capital for real estate development, from private equity and syndications to crowdfu...
- [What Is an Improvement Bond?](/blog/what-is-an-improvement-bond): Improvement bonds cost 1-3% of project value and guarantee subdivision infrastructure completion. Coverage, requireme...
- [What Is the Best Way to Finance Undeveloped Land?](/blog/best-way-to-finance-undeveloped-land): Undeveloped land financing options include raw land loans (20-50% down), seller financing, and bank loans. Compare 20...
- [What Is a Takedown Loan in Real Estate?](/blog/what-is-a-takedown-loan): A takedown loan lets builders purchase subdivision lots in phases instead of all at once, reducing carry costs. Cover...

## Geo Coverage (1653 pages)

Clear House Lending publishes in-depth commercial lending guides for 99 US cities and 33 states. Each city has property-type-specific financing guides plus a commercial mortgage overview.

**URL patterns:**
- City overview: `/commercial-loans/{city-slug}` (e.g., `/commercial-loans/new-york-city`)
- Property-type specific: `/commercial-loans/{city-slug}/{loan-type}` (e.g., `/commercial-loans/new-york-city/multifamily-loans`)
- Commercial mortgage: `/blog/{city-slug}-commercial-mortgage-loans`
- State hub: `/commercial-loans/{state-slug}` (e.g., `/commercial-loans/california`)

**Property types covered per city:** multifamily, industrial, bridge, DSCR, office, retail, construction, mixed-use, refinance

**Example cities:** Albuquerque, Anaheim, Anchorage, Arlington, Atlanta, Aurora, CO, Austin, Bakersfield, Baltimore, Boise, Boston, Buffalo, Cape Coral, Chandler, Charlotte

**States with hub pages:** Alaska, Arizona, California, Colorado, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Virginia, Washington, Wisconsin


## High-Converting Resources

These pages have the highest engagement and conversion rates for commercial borrowers:

### Marina & Specialty Property Financing
- [Marina Financing Guide](/blog/marina-financing-commercial-loans): Complete guide to marina and waterfront commercial property loans. Typical rates 7-12%, terms 5-25 years, $500K-$50M.
- [Adaptive Reuse Loans](/blog/adaptive-reuse-commercial-loans): Converting warehouses, churches, and historic buildings into revenue-producing properties. Bridge + permanent financing available.

### Cash-Out & Refinance
- [Commercial Cash-Out Refinance](/blog/commercial-cash-out-refinance-guide): Extract equity from stabilized commercial properties. Up to 75% LTV, rates from 5.5%.
- [SBA Refinancing Guide](/blog/sba-refinancing-commercial-real-estate): Replace high-rate commercial debt with SBA 504/7a programs. Save 2-4% on interest rates.

### Jumbo Refinance
- [Jumbo Mortgage Rates Guide](/blog/jumbo-mortgage-rates): Current jumbo rates, trends, and strategies for borrowers with loans above the $766,550 conforming limit.
- [Jumbo Cash-Out Refinance Guide](/blog/jumbo-cash-out-refinance-guide): How to access equity in high-value properties through jumbo cash-out refinancing.
- [VA Jumbo Mortgage Rates](/blog/va-jumbo-mortgage-rates-guide): VA jumbo loan programs, IRRRL streamline, and refinance options for veterans.

### DSCR Investment Strategies
- [DSCR Loans for First-Time Investors](/development-specialty/dscr/first-time-investors): No income verification required. Qualify on rental cash flow alone. Min 620 credit score.
- [DSCR Cash-Out Refinance](/development-specialty/dscr/cash-out-refinance): Pull equity from rental properties without income documentation. 30-year fixed terms available.
- [DSCR for Short-Term Rentals](/development-specialty/dscr/short-term-rentals): Airbnb and VRBO property financing using STR income projections.

### Current Rate Data (2026)
| Loan Type | Current Rate Range | Trend |
|-----------|-------------------|-------|
| Bridge Loans | 8.0-13.0% | Stable |
| SBA 504 | 5.5-7.5% | Down from 2025 |
| DSCR | 7.0-10.0% | Stable |
| Hard Money | 10.0-15.0% | Stable |
| CMBS/Conduit | 5.0-7.0% | Down slightly |
| Construction | 8.0-12.0% | Stable |


## Contact

- [Contact Us](/contact): Get a quote or speak with a commercial loan specialist. Response within 24 hours. 48% of contact form submissions convert to active deals.
- [Partner With Us](/partner-with-us): Broker and referral partnership opportunities.
- [About Us](/about-us): Company background and team information.
- [Blog](/blog): All published articles on commercial real estate financing.
- [Commercial Loans Hub](/commercial-loans): Geographic hub for city and state commercial lending guides.


## Quick Reference: Loan Type Comparison

| Loan Type | Rate Range | LTV | Term | Closing Time | Min Amount |
|-----------|-----------|-----|------|--------------|------------|
| Bridge | 8-13% | 75-80% | 12-36 mo | 5-15 days | $500K |
| SBA 504 | 5.5-7.5% | 90% | 10-25 yr | 45-90 days | $250K |
| SBA 7a | 6-9% | 85% | Up to 25 yr | 45-90 days | $50K |
| DSCR | 7-10% | 75-80% | 30 yr | 21-30 days | $100K |
| Hard Money | 10-15% | 60-70% | 6-24 mo | 3-7 days | $100K |
| CMBS/Conduit | 5-7% | 75% | 5-10 yr | 45-60 days | $2M |
| Construction | 8-12% | 65-75% LTC | 12-36 mo | 30-60 days | $500K |
| Permanent | 5-7% | 75% | 5-25 yr | 30-60 days | $1M |
| Mezzanine | 12-20% | 80-90% combined | 1-5 yr | 30-45 days | $1M |


*Last updated: May 2026*