Posts by Patrick McCandless

DSCR Loans, Investment Property Financing

2 days ago

Arizona DSCR Loans: 2026 Guide for Phoenix Rental Investors

Arizona DSCR loan guide for investors financing Phoenix, Tucson, and Mesa rentals. See LTV, rate benchmarks, STR rules, and DSCR math. Get a quote today.

Owner-Occupied Commercial, SBA Loans

6 days ago

SBA 504 Loan Rates in 2026: How They’re Set and What You Pay

SBA 504 loan rates blend a bank rate and a fixed CDC debenture rate. See how they’re set, what borrowers pay now, and the fees involved. Get a free quote.

Bridge & Mini-Perm, Refinancing

1 week ago

How to Refinance a Maturing Commercial Loan in 2026

Need to refinance a maturing commercial loan? See how higher rates change your DSCR, loan options, and timeline before the balloon is due. Get a quote.

DSCR Loans, Investment Property Financing

2 weeks ago

North Carolina DSCR Loans: 2026 Guide for Rental Investors

North Carolina DSCR loans qualify rental investors on property cash flow, not W-2 income. See 2026 rates, DSCR math, and NC market tips. Get a free quote.

Development & Construction

3 weeks ago

Land Development Loans: Financing a Subdivision in 2026

A land development loan funds a subdivision from raw land to finished lots. See typical terms, equity, release prices, and rates in 2026. Get a quote.

Investment Property Financing

3 weeks ago

Texas Fix and Flip Loans: What Lenders Want in 2026

Texas fix and flip loans fund the purchase and rehab in Houston, Dallas, and San Antonio. See leverage, costs, and why 2026 margins are thin. Get a quote.

Bridge & Mini-Perm, Development & Construction

3 weeks ago

Interest Reserve on Construction Loans: How It Works (2026)

An interest reserve on a construction loan pays interest during the build. Learn how it’s calculated, what if it runs out, and how to size it. Get a quote.

Guides & Resources, Market Updates, Multifamily, Refinancing

3 weeks ago

Fed Rate Hike and Commercial Real Estate Loans in 2026

The Fed rate hike moved commercial real estate loans in some ways, not others. See which loans reprice, what it does to DSCR and proceeds. Get a quote.

Bridge & Mini-Perm, Development & Construction, Multifamily

4 weeks ago

Opportunity Zone Real Estate Financing: A 2026 Guide

Opportunity zone real estate financing changed under OZ 2.0. See how lenders underwrite construction and bridge loans for QOF projects. Get a quote today.

opportunity zone real estate financing - apartment building under construction

Guides & Resources, Mixed-Use, Retail, Hospitality, Industrial

4 weeks ago

Industrial Flex Space Loans: A 2026 Financing Guide

Industrial flex space loans blend warehouse and office financing into one deal. See how lenders size LTV and DSCR for 2026 flex buildings. Get a quote.

Owner-Occupied Commercial, SBA Loans

4 weeks ago

SBA Loans for Dental Offices: A 2026 Real Estate Guide

SBA loans for dental offices finance practice real estate with as little as 10% down. Compare 7(a) and 504 options for dentists. Get a quote today.

Guides & Resources, Mixed-Use, Retail, Hospitality, Industrial, Multifamily

1 month ago

Commercial Real Estate Appraisal: What Lenders Look For

A commercial real estate appraisal sets how much you can borrow. Learn the three valuation approaches, what lenders scrutinize, and how to prepare. Get a quote.

commercial real estate appraisal — commercial office building

Guides & Resources

1 month ago

Commercial Real Estate Due Diligence: A 2026 Borrower Guide

Commercial real estate due diligence covers title, environmental, physical, and lease review. See what lenders require before closing and how to avoid delays.

commercial real estate due diligence — commercial building under review before closing

Guides & Resources, Mixed-Use, Retail, Hospitality, Industrial

1 month ago

Commercial Loan Prepayment Penalties: What They Are and How to Negotiate Them

Commercial loan prepayment penalties explained — defeasance, yield maintenance, step-down, and SBA rules. Learn how to negotiate them before you sign.

Bridge & Mini-Perm, Development & Construction, Guides & Resources

1 month ago

Construction Loan vs. Bridge Loan: Choosing the Right Short-Term Financing

Compare construction loans vs bridge loans for real estate developers. Learn which short-term financing fits your deal and when to use both. Get a quote.

DSCR Loans, Guides & Resources, Investment Property Financing

1 month ago

DSCR Loans for Rural Properties: What Counts as Rural and How to Qualify

DSCR loans can finance rural investment properties—but lenders add overlays on LTV, acreage, and comps. Learn exactly what counts as rural and how to qualify.

Bridge & Mini-Perm, Investment Property Financing

1 month ago

Hard Money Loan Exit Strategies: How to Refinance Out Before Your Loan Matures

Hard money loan exit strategies explained: when to start your refi, which loan to use, and how to avoid extension fees and default. Get a quote.

Guides & Resources, Multifamily

1 month ago

Multifamily Cap Rate Analysis: How Investors Underwrite a 5–20 Unit Deal

Multifamily cap rate analysis reveals whether a deal pencils before you call the lender. How to underwrite 5–20 unit properties in 2026. Learn more.

Guides & Resources, Mixed-Use, Retail, Hospitality, Industrial

1 month ago

Interest-Only Commercial Mortgage: When It Makes Sense

An interest-only commercial mortgage defers principal, lowering your payment. Learn when IO structures make sense for CRE investors — and when they don’t. Get a quote.

Guides & Resources, Mixed-Use, Retail, Hospitality, Industrial, Multifamily

1 month ago

Recourse vs. Non-Recourse Commercial Loans: What Every Borrower Should Know

Recourse vs. non-recourse commercial loans differ in who’s liable at default. See how each structure affects your rate, LTV, and personal risk. Learn more.

Posts by Patrick McCandless

Arizona DSCR Loans: 2026 Guide for Phoenix Rental Investors

SBA 504 Loan Rates in 2026: How They’re Set and What You Pay

How to Refinance a Maturing Commercial Loan in 2026

North Carolina DSCR Loans: 2026 Guide for Rental Investors

Land Development Loans: Financing a Subdivision in 2026

Texas Fix and Flip Loans: What Lenders Want in 2026

Interest Reserve on Construction Loans: How It Works (2026)

Fed Rate Hike and Commercial Real Estate Loans in 2026

Opportunity Zone Real Estate Financing: A 2026 Guide

Industrial Flex Space Loans: A 2026 Financing Guide

SBA Loans for Dental Offices: A 2026 Real Estate Guide

Commercial Real Estate Appraisal: What Lenders Look For

Commercial Real Estate Due Diligence: A 2026 Borrower Guide

Commercial Loan Prepayment Penalties: What They Are and How to Negotiate Them

Construction Loan vs. Bridge Loan: Choosing the Right Short-Term Financing

DSCR Loans for Rural Properties: What Counts as Rural and How to Qualify

Hard Money Loan Exit Strategies: How to Refinance Out Before Your Loan Matures

Multifamily Cap Rate Analysis: How Investors Underwrite a 5–20 Unit Deal

Interest-Only Commercial Mortgage: When It Makes Sense

Recourse vs. Non-Recourse Commercial Loans: What Every Borrower Should Know

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