Commercial Property Financing Requires More Than an LTV Calculation

A strong commercial real estate request must explain the property, borrower, tenancy, net operating income, debt service, valuation, environmental considerations, marketability, ownership structure, construction risk and exit strategy.

Monty Capital organizes those elements into a coherent request that a lender can evaluate.

Representative Mandates

• Commercial property purchases and refinancing.
• Owner-occupied real estate for established businesses.
• Multifamily and apartment financing.
• Construction and development financing.
• Bridge financing for acquisition, renovation, lease-up or stabilization.
• Equity take-outs and portfolio refinancing.
• CMHC-insured multifamily financing, including MLI Select where applicable.
• Mixed-use, industrial, retail, office, medical and special-purpose properties, subject to lender appetite.

How the Request Is Assessed

• Ownership structure, purchase price and sources and uses.
• Proposed leverage, net operating income and debt-service coverage.
• Rent roll, leases, appraisals and relevant property reports.
• Construction, vacancy, lease-up or stabilization risk.
• Borrower and guarantor strength.
• A credible repayment or exit strategy.

Our Process

1. Review: Understand the property, ownership, purpose, timing and current financing.
2. Structure: Test leverage, debt service, amortization and exit scenarios.
3. Prepare: Organize the rent roll, leases, financial information, reports and transaction documents.
4. Approach: Present the request to suitable financing sources.
5. Coordinate: Manage questions, conditions, valuations and closing requirements.

Information to Prepare

• Purchase agreement or current mortgage statement.
• Property address, description and intended use.
• Rent roll, leases and operating statements.
• Borrower and guarantor financial information.
• Appraisal, environmental, building-condition or construction materials where available.
• Project budget, sources and uses, and exit assumptions when relevant.

Discuss a Commercial Property Requirement

Share the property, requested amount, purpose, timing and current status. Monty will identify what is needed for an initial assessment and explain the next step.