Commercial Loans for Real Estate Investors
Commercial loans are used to finance income-producing properties such as multifamily, mixed-use, office, and retail assets.
These loans are typically structured around the property’s income and overall deal strength rather than the borrower’s personal income.
What is a commercial loan?
A commercial loan is a real estate loan used to purchase, refinance, or stabilize income-producing properties.
Lenders evaluate the property’s cash flow, occupancy, and overall risk profile when determining loan terms.
How commercial loans work
Loan terms typically range from 3 to 10+ years
Loan sizing based on property income (DSCR)
Interest rates and terms vary by asset type and risk
Can include fixed, floating, or hybrid rate structures
Used for acquisitions, refinances, or stabilized properties
Who commercial loans are for
Real estate investors acquiring income-producing properties
Multifamily and mixed-use investors
Property owners refinancing stabilized assets
Brokers placing commercial real estate deals
Investors scaling portfolios beyond residential properties
Common mistakes with commercial loans
Sending deals to lenders that don’t match the asset type
Not understanding lender-specific requirements
Overestimating property income or valuation
Choosing lenders with slow or uncertain timelines
Wasting time on lenders unlikely to approve the deal
How LYNDIFY helps you find commercial lenders
LYNDIFY removes the guesswork from placing commercial loan deals.
Instead of sending your deal to multiple lenders blindly, LYNDIFY shows you which lenders match your deal before you send it.
Frequently asked questions about commercial loans
What types of properties qualify for commercial loans?
Commercial loans are used for multifamily, mixed-use, office, retail, and other income-producing properties.
How are commercial loans underwritten?
Most commercial lenders evaluate the property’s income, occupancy, and risk profile rather than relying solely on personal income.
What is DSCR in commercial lending?
DSCR (Debt Service Coverage Ratio) measures whether the property generates enough income to cover loan payments.
How does LYNDIFY help with commmercial loans?
LYNDIFY helps you identify which lenders match your commercial deal before you send it, saving time and increasing your chances of closing.
Related financing guides
Explore other real estate financing strategies:
Fix and Flip Loans→
New Construction Loans →
New to commercial loans? Start here: Commercial Loans Explained
Stop guessing. Start closing.
If you’re placing commercial deals, knowing which lenders fit before you send the deal changes everything.
Real Estate Capital, Aligned
Lyndify is a lender matching and capital alignment platform for real estate investment transactions.
Real Estate Capital, Aligned
Lyndify is a lender matching and capital alignment platform for real estate investment transactions.
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