A construction loan funds a build in stages through draws, interest-only during construction, then pays off by a sale or a refinance into permanent financing.
Year: 2026
What Do You Need to Qualify for a Commercial Property Loan?
Every commercial loan comes down to one test: does the property income cover the debt at the required coverage ratio? Here is what qualification actually requires.
How Do You Finance a Mixed-Use Property?
A mixed-use property is financed on its combined income — residential rents plus commercial leases, underwritten as one commercial deal against the debt.
How Do You Finance a Strip Mall or Retail Plaza?
A strip mall is financed on its income — the lender works from the rent roll to NOI against the debt. Tenant quality and lease terms drive the deal.
Can You Refinance a Hotel or Use a Bridge Loan to Buy One?
Yes to both. A hotel refinances on its operating performance, and a bridge loan can fund a repositioning until the property stabilizes.
How Much Down Payment Do You Need for a Hotel?
Hotels typically require 25%–35% down — more than other commercial property, because room income is more variable. Here is what else you bring.