To qualify: present a property with adequate DSCR, bring 20–35% down, document business/personal financials, show reserves, and demonstrate credit and experience. Leases and rent rolls support the file.
What to prepare
Gather property financials (income/expenses, rent roll, leases), your business and personal returns, and a summary of your experience. Strong, organized documentation speeds approval on commercial deals.
Strengthening the deal
A larger down payment, healthier DSCR, and solid reserves all improve terms. For owner-occupied properties, we’ll assess whether SBA lowers your cash-in.
Frequently asked questions
What documents do commercial lenders want?
Property income/expenses, rent roll, leases, business and personal tax returns, and reserves. We’ll give you a checklist.
Can a new investor qualify?
Yes, with strong cash flow, down payment, and reserves — experience helps but isn’t always required.
How long does approval take?
Commercial timelines are longer than residential — often 45–60+ days depending on the property and structure.
Save Financial is a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766). Figures are illustrative for 2026 and not an offer of credit.