Commercial / CRE loans for investors.
Commercial and CRE business-purpose financing for mixed-use, small CRE, and investor-held commercial. We desk the file and broker it to capital sources. We are not the lender.
Leave your number. We will call you.
Business purpose / no owner-occupied. Not a commitment to lend.
Deal snapshot
NOI
Live CRE DSCR + debt yield on /calculator. NOI ÷ Annual Debt Service.
- Coverage
- NOI ÷ ADS
- Debt yield
- NOI ÷ Loan Amount
- Use
- Business purpose
- Desk
- Brokered file
CRE Loan & Deal Snapshot
DSCR, debt yield, cap, CoC from NOI before you shop lenders. Ungated. Engine C is NOI-based — not residential rent ÷ PITIA.
NOI
Enter it or build it from income − expenses.
Debt service
Amortizing P&I or optional IO years.
Coverage
Commercial DSCR, debt yield, BTCF, CoC.
Mixed-use, small CRE, investor-held commercial.
Same desk. Same NOI worksheet. This is not a residential DSCR hold and not a hard-money flip.
Mixed-use
Street-level retail + residential or office above
In-place commercial income plus the upstairs story. Occupancy still has to be investment — not your house over the shop.
Small CRE
Small commercial the investor actually holds
Office, retail, light industrial, small multifamily treated as commercial. NOI, not a 1–4 unit rent ÷ PITIA file.
Investor-held
Business-purpose commercial, not owner-occupied
The asset is the file. We desk investor-held commercial. We do not fund owner-occupied or a primary residence.
Three steps. Then a call.
01
Send the deal
Address, property type, NOI or T-12, purchase or refinance, entity, and the hold plan. Enough to desk — not a full credit package.
02
We desk the file
We map the asset against business-purpose CRE programs we can broker. Gaps get named. No theater.
03
Book the call
Thirty minutes. Structure, capital-source fit, and the next document pull if the deal is worth running.
Same desk. Other niches.
GI Realty spoke. Live sister sites only — residential DSCR, hard money, bridge, and fix-and-flip live on their own domains.
GI Realty hub
girealty.broker
The desk hub. Same broker. Other business-purpose niches live here.
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Residential DSCR
dscr.broker
1–4 unit rental DSCR. Rent ÷ PITIA. Not the CRE NOI worksheet.
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Hard money
hardmoney.broker
Short-term, asset-based private money. LTC / LTARV, not NOI.
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Bridge loans
bridgeloans.broker
Bridge capital when the hold is short and the exit is named.
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Fix and flip
fixandflip.broker
Purchase-rehab-exit files. Not a long-term CRE hold.
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Book a 30-minute strategy call
Bring the address, the NOI or T-12, and the hold plan. We desk commercial loans. We do not fund them.
Leave your number. We will call you.