Property types that may be considered
- Office and professional space
- Retail property
- Owner occupied business real estate
- Eligible multifamily and mixed use property
- Commercial investment property
- Construction or acquisition scenarios
Business and investment property
Commercial real estate financing starts with the property and the business plan.
Commercial transactions are underwritten differently from standard residential mortgages. Property income, borrower experience, debt service, lease structure, occupancy, and exit strategy can all matter. John can help identify the financing path and connect the transaction with appropriate lending resources available through Barrett's network when applicable.
John Bramley
Loan Originator · USMC Veteran
NMLS 192835
Licensed in SC, GA, and NJ
Commercial Financing
Commercial financing is driven by the deal.
Commercial real estate loans are evaluated around the property, borrower, use, cash flow, leverage and business plan. John can help organize the scenario and identify the financing questions that need answers before a lender can size the opportunity.
What commercial lenders evaluate
- Property cash flow and debt service coverage
- Borrower liquidity and experience
- Lease terms and occupancy
- Property condition, value, and intended use
- Loan term, amortization, and exit strategy
Why the structure matters
- Commercial loan terms are less standardized than residential mortgage terms
- Different lenders may have very different property and borrower appetites
- Recourse, prepayment provisions, reserves, and amortization can materially affect the economics
- Program availability varies by property, state, and participating lender
Common questions
Commercial Financing FAQ
Are commercial loans the same as residential investment property loans?
No. A one to four unit residential investment property may still use residential mortgage programs. Commercial financing generally applies to property or use that falls outside standard residential lending.
Can John finance multifamily property?
The financing path depends on unit count, occupancy, property type, and borrower strategy. John can help determine whether the scenario belongs in residential or commercial lending.
Are commercial rates and terms standardized?
No. Pricing and structure can vary substantially by lender, property, loan size, and borrower profile.
Start with the property and the plan.
John can review the use, purchase or refinance objective, borrower strength and available documentation so the financing conversation starts with the actual deal.
Program availability, eligibility, rates, costs, and guidelines vary by borrower, property, state, lender, and market conditions. This page is general educational information and is not tax, legal, or financial advice and is not a commitment to lend. John Bramley · NMLS 192835 · Barrett Financial Group, L.L.C. · NMLS 181106.