Commercial real estate loans

Retail, warehouse, office, mixed use, auto service, and residential rental from 1-4 units up to 5+ unit multifamily. Owner-occupied and investment both work. Occupancy drives which lenders will look at the file: long-term leased, month to month, short-term rental, partially leased, vacant, or occupied by your own business.

Yes. Cash-out refinance is a standard purpose alongside purchase and rate-and-term refinance. How much depends on appraised value, existing lien balances, and the loan-to-value ceiling the lender applies to that property type and occupancy. Vacant and under-renovation properties are held to tighter ceilings than a leased building.

Plan on 30-45 days for a conventional file. Under 15 days is possible through a bridge or private lender when the property and the exit are clean, and you pay for that speed in rate. Appraisal, title work, and any environmental review set the floor, not the paperwork.

Delayed financing covers exactly that. A purchase made with cash in the last 12 months can be refinanced without the usual seasoning wait, which puts your capital back to work instead of leaving it parked in the building.

Yes. Blanket and portfolio structures put multiple properties under a single loan, which is usually cheaper to close and simpler to service than four separate files.