Multifamily loans (5+ units)
Apartment buildings and larger rental properties, financed largely on how the property performs: rents, expenses and occupancy.
May fit: Investors buying or refinancing a building with five or more units.
Commercial lending · Business-purpose real estate
Commercial Real Estate Loans and Business-Purpose Lending
Financing for multifamily, mixed-use, owner-occupied business property, investor portfolios, construction and land, explained by someone who has run businesses himself. Options may be available through Cornerstone First Mortgage, LLC and its lending partners.
Your secure application is with Cornerstone First Mortgage, LLC (NMLS #173855). Starting an application is not a loan approval.
Why an operator's view matters
Commercial real estate financing, explained before you sign.
Business owners and investors need the same thing first-time buyers do: someone who explains how the deal is structured before anyone signs.
Before lending, Daniel ran businesses and managed operations across North America. He has GC'd his own builds and worked out project phases with subcontractors. He looks at a commercial deal the way an owner does: cash flow, timing, and what happens if plans change.
Commercial loan options
Commercial loan options Daniel can walk you through.
Mixed-use property loans
Storefront below, apartments above. Daniel explains how lenders look at the commercial and residential parts of the building.
May fit: Owners and investors with a property that combines retail or office space and housing.
Owner-occupied business property
Buy the building your business operates from, instead of paying rent to someone else's asset.
May fit: Business owners ready to own their location.
Investor portfolios and DSCR loans
Financing that looks at a property's rental income. DSCR and non-QM options are subject to program requirements.
May fit: Investors growing a rental portfolio, including self-employed borrowers.
Construction, land and bridge financing
For projects that need funding in phases, a land purchase, or a short-term loan until longer-term financing is in place.
May fit: Builders, owners planning a build, and investors between financing steps.
SBA-style options through partner lenders
For qualifying small businesses, through Cornerstone's network of bank and investor lending partners.
May fit: Small business owners exploring longer-term financing for property.
The process
How commercial lending works with Daniel.
Start with the story of the deal
The property, what you plan to do with it, your timeline, and what success looks like for you.
Review the numbers the way an owner does
Cash flow, rents and expenses, reserves, and how the property supports the loan, before anyone talks about structure.
Match the structure to the plan
Daniel explains the commercial loan options that may fit, how each one is underwritten, and the tradeoffs between them.
Connect with the right lender
Depending on the property and program, financing may come from Cornerstone First Mortgage, LLC or one of its lending partners.
Application, underwriting and closing
Daniel stays with you through documentation and conditions so there are no surprises late in the process.
Straight answers
Commercial real estate loan questions, answered.
What types of commercial property can be financed?
Options may be available for multifamily buildings with five or more units, mixed-use properties, owner-occupied business property, investor portfolios, and construction, land and bridge projects. Availability depends on the property, borrower, program and state.
How is a commercial loan different from a home loan?
Commercial and business-purpose loans are often underwritten on how the property performs, such as its rental income and expenses, along with the borrower's experience and finances. Terms, documentation and requirements can differ significantly from a residential mortgage.
Who provides the commercial financing?
Commercial and business-purpose financing may be offered by Cornerstone First Mortgage, LLC or through its network of bank and investor lending partners, depending on the property and program. Daniel explains who the lender is and how the loan is structured before you apply.
What should I have ready to talk about a commercial deal?
A short description of the property and your plans, any rent roll or operating numbers you have, your timeline, and your goals for the financing. Daniel uses that to explain which options may fit.
Commercial and business-purpose financing options may be available through Cornerstone First Mortgage, LLC and its lending partners. Availability, terms, and eligibility vary by property, borrower, program, and state, and all loans are subject to underwriting and approval. This is not an offer of credit or a commitment to lend.
Ready when you are
Your mortgage starts here.
Ready to take the next step? Start your secure application. Not sure which program fits? Contact Daniel's team and he'll walk through your options in plain English.
Your secure application is with Cornerstone First Mortgage, LLC (NMLS #173855). Starting an application is not a loan approval or a commitment to lend.