What Commercial Lenders Really Look for in Your Investment Deal

Thinking about buying a 5+ unit investment property? The loan process changes fast.

Commercial lenders care less about your job income - and more about the property’s numbers and your overall financial strength.
In this video, Naomi breaks down what banks actually look for when underwriting a commercial loan. She explains the difference between residential and commercial financing, how the debt service coverage ratio (DSCR) works, and why lenders typically require a 1.25 coverage ratio. She also walks through the global DSCR, how your overall net worth and other investments factor in, and why most loans still require a personal guarantee. If you’re planning to move beyond 1–4 unit properties, this overview will help you prepare before walking into a bank.

Ready to dig deeper into commercial loan requirements? Check out our recent blog: https://capstonecre.com/blog/what-are-the-requirements-for-a-commercial-loan/

If you’re a commercial real estate investor looking to purchase or sell in Pennsylvania or Maryland, give the experienced advisors at Capstone Commercial a call. Our advisors are here to maximize your property’s value at every phase of the commercial real estate cycle. We believe in transparency, collaboration, and honesty - and we want to help.

Call us at 717-820-1127 today to get started.

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Видео What Commercial Lenders Really Look for in Your Investment Deal канала Capstone Commercial