Read the commercial file the way a desk reads it.
Operator notes on CRE DSCR, debt yield, entity, and occupancy. No rate shopping. No residential rent ÷ PITIA copy.
CRE education
What is CRE financing?
Business-purpose commercial loans for mixed-use, small CRE, and investor-held commercial — not a residential DSCR or flip file.
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CRE DSCR vs. residential DSCR
Commercial DSCR is NOI ÷ annual debt service. Residential DSCR is rent ÷ PITIA. Same letters, different stack.
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Debt yield basics
Debt yield is NOI ÷ loan amount. Why CRE desks use it next to DSCR, LTV, and cap — and why it is not a policy quote.
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Typical CRE requirements
Occupancy, entity, reserves, property types, and experience — a working list for small CRE, not a program matrix.
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LLC and entity title
Closing commercial in an LLC: vesting, operating agreements, EIN, and the mismatches that stall a file.
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FAQ
Direct answers and common objections. Broker, not a lender. Business-purpose / no owner-occupied.
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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.
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