Commercial Real Estate Funding If you’re new to commercial real estate financing, you’ll want to get a firm understanding of the differences between a residential and commercial mortgage loan.  Residential real estate uses a debt-to-income formula for judging your ability to repay a loan while commercial real estate is based on the debt coverage service ratio formula to qualify.  This means that to qualify for a commercial loan, you’ll have to know what your projected return on investment (ROI) will be when making a commercial property purchase or refinance. The cash flow generated from your commercial real estate property will be one of the factors in determining both the value of the property as well as its future return.  The type and amount of your commercial loan is also dependent on other factors, including your business and personal credit history, your net worth or financial strength, the type of property and its overall condition, its cash flow, the geographical location of the property, and the general economic outlook of the local market. The first step to purchasing or refinancing your commercial property is to know exactly how you’ll use the property.  What type of property will you acquire?  How will the property be used to improve your cash flow and financial goals?  How long will you hold the property?  Will you be an owner/tenant or just an investor?  And do you have an exit strategy?  These are all questions you’ll want to think about before applying for your commercial financing. After you’ve established the market need and use for the property, you’ll also want to analyze its current and future cash flow that will contribute to your ROI.  So give us a call today, and we’ll help you get started and answer any other questions you may have. Want to find out if you qualify for a commercial building purchase or refinance? call Bob DeBord Vice President Commercial Lending 314-317-8700 ext 18 or 314-398-3790 cell bob@fidelitybanc.com we provide free analysis and very competitive rates and terms.  If your bank has turned you down give us a chance to see what we can do! or as always...   FEEL FREE TO CONTACT ANY OF OUR WELL QUALIFIED MORTGAGE ADVISORS WHO WILL PROVIDE YOU WITH INFORMATION ON OUR COMMERCIAL LOAN PROGRAMS Get a New Loan Quote Looking for a new home loan? Fill out the following form to get a fast quote from us.   Contact Info *Name: *Email: Phone: Property Information Are you under contract?: In what state is the property located?: When are you wanting to close?: What is the purchase price?: Mortgage Information What is our desired loan amount?: Program (Fixed, adjustable or Interest Only)?: Questions Questions, comments or concerns?: Note: Fields with an * are required

          Missouri Residential Mortgage Broker License -#10-1720   

NMLS #246453     

 Nationwide Commercial Mortgage Broker

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