Owner-occupied or investment?
State whether your business uses the space or you collect income from other occupants. That distinction can affect which financing paths are relevant.
Owner-occupied property guide ↗FINANCING BY PROPERTY TYPE
The property’s use
shapes the questions.
A warehouse, shopping center, office building, or mixed-use property can have very different income and operating characteristics. Use this guide to prepare the relevant information.
| Property / search topic | Information to prepare |
|---|---|
| Office building loans | Occupancy, lease expirations, tenant concentration, improvements, and leasing costs. |
| Retail & shopping center financing | Tenant mix, lease structure, collections, rollover dates, and any owner-operated business. |
| Industrial & warehouse loans | Property use, tenant requirements, environmental context, condition, and access. |
| Mixed-use property loans | Residential versus commercial space and income, leases, occupancy, and permitted uses. |
| Multifamily & apartment loans | Unit count, rent roll, collections, vacancy, operating expenses, and planned capital work. |
| Self-storage, hotel & specialty property financing | Operating history, management, seasonality, occupancy, and specialized property risks. Availability must be confirmed. |
| Land & development loans | Site control, zoning, entitlements, infrastructure, budget, timeline, and repayment plan. Availability must be confirmed. |
Current income or future plan?
Separate operating history from forecast income. Identify vacant space, planned improvements, and the funds needed before income stabilizes.
Bridge and construction questions ↗Program information checked September 30, 2026. Sources: FDIC commercial real estate guidance. Current rules and lender requirements apply.
LET’S LOOK AT THE DETAILS
Bring us the property.
And the questions.
Start with the goal, the timing, and the financing need.