Commercial

A strong commercial pre-approval establishes your purchase power and makes your offers more competitive. Lenders typically review tax returns, business financials, bank statements, and projected income from the asset. We’ll connect you with trusted commercial lenders and help you compare structures like: • SBA 504 or SBA 7(a) loans • Commercial conventional loans • Bridge financing • DSCR investor loans • Construction or rehab financing We’ll help you analyze interest rates, amortization schedules, prepayment penalties, and how each option impacts your long-term strategy.

• SBA 504/7(a): Low down payments for owner-occupied buildings • Conventional CRE loans: 15–25% down; strong for stable businesses • Bridge loans: Short-term capital for repositioning or lease-ups • DSCR investor loans: Qualify based on cash flow, not personal income • Construction loans: For new builds, expansions, or heavy rehabs We’ll walk you through rate locks, points, DSCR thresholds, and how to align financing with your business or investment goals.

Commercial real estate success hinges on matching your needs to the right zoning, layout, and future growth potential. We help you evaluate: • Traffic counts, ingress/egress, customer accessibility • Proximity to highways, suppliers, workforce, or target customers • Zoning and permitted uses • Utility availability (3-phase power, gas, water, telecom) • Parking ratios and loading needs • Demographics, foot traffic, and competition analysis • Future development plans in the area You’ll receive a curated property shortlist—not a random dump of listings—with key performance metrics broken down.

Each asset tour includes a practical evaluation of the property’s critical systems: • Roof age and material • Structural integrity and foundation signs • HVAC tonnage and condition • Parking lot and drainage • Electrical capacity • Fire suppression systems • ADA compliance • For industrial: ceiling height, clear span, dock-high vs grade-level loading • For retail: signage visibility, anchor tenants, co-tenancy • For office: layout efficiency, natural light, common-area quality For multi-tenant assets, we also review rent rolls, lease expirations, operating expenses, and shared areas.

We use TREC contracts and structure terms that protect you and keep you competitive. • Earnest money: typically 1–3% of price, held by title. • Option period: a paid window (often 5–10 days) to inspect and terminate for any reason. • Contingencies: financing, appraisal, HOA review, and sale of your current home if needed. • Inclusions: appliances, fixtures, and window coverings spelled out to avoid surprises. Negotiation levers: price vs. closing-cost credits, option fee and length, repair credits vs. fixes, appraisal-gap strategies, and possession timing (lease-back when appropriate).

During the inspection period, we coordinate all required evaluations and verifications: • Physical inspections: structural, roof, HVAC, electrical, plumbing • Environmental reports: Phase I ESA (and Phase II if needed) • Survey & zoning verification: ensure the property fits your intended use • Appraisal: income and sales-comparison methods • Lease audit: rent roll, estoppels, service contracts (for investment assets) • Financial review: actuals vs. pro forma, CAM reconciliations • Insurance quotes: property, liability, flood, business-interruption We use real findings—not guesses—to negotiate credits or remedy requests.

To protect your investment and maximize returns: • Set up utilities, security, and maintenance contracts • Review property tax valuations and consider filing a protest • Organize warranties, manuals, surveys, environmental reports, and closing docs • Establish a CapEx and maintenance schedule • For investors: stabilize occupancy, adjust rents, reduce expenses, and prepare a long-term asset plan