Posts by Patrick McCandless

Guides & Resources, Owner-Occupied Commercial, SBA Loans

SBA Warehouse Loan: Financing Owner-Occupied Industrial Real Estate

SBA warehouse loans let business owners buy their industrial building with 10% down. See how SBA 504 and 7(a) compare for warehouse purchases. Get a quote.

Bridge & Mini-Perm, Guides & Resources, Mixed-Use, Retail, Hospitality, Industrial

Value-Add Commercial Real Estate Financing in 2026

Value-add commercial real estate financing bridges the gap to permanent debt. Bridge loan structures, exit strategies, and lender requirements for retail, industrial, and mixed-use deals. Get a quote.

DSCR Loans, Guides & Resources, Investment Property Financing

DSCR Loan Credit Score Requirements: What Score Do You Need?

DSCR loans skip income verification, but your credit score still drives rate, LTV, and approval. Learn what score you actually need in 2026. Get a quote.

Guides & Resources, Investment Property Financing

Fix and Flip Hard Money Rates in 2026: What You’ll Pay and What Drives the Cost

Fix and flip hard money rates in 2026 run 9.5–13% plus 1.5–3 origination points. See what drives your rate — LTV, experience, credit — and how to calculate your all-in cost.

Guides & Resources, Owner-Occupied Commercial, SBA Loans

SBA Loan for Restaurant Real Estate: Financing Guide 2026

SBA loans let restaurant operators buy instead of rent. Learn how 504 and 7(a) work for food service real estate in 2026. See if you qualify.

DSCR Loans, Guides & Resources, Investment Property Financing

DSCR Loan for LLC: How to Finance Investment Properties in an Entity

DSCR loans for LLCs let investors close in entity name without income docs. Learn 2026 requirements, rates, and due-on-sale protections. Get a quote.

Guides & Resources, Multifamily, Refinancing

Multifamily Cash-Out Refinance: How Apartment Owners Pull Equity in 2026

Multifamily cash-out refinances let apartment owners pull equity without selling. Learn LTV limits, DSCR requirements, and how to qualify in 2026. Get a quote.

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

NNN Property Financing: How to Get a Loan on a Net Lease Investment

NNN property financing lets you borrow against a stable, long-term lease rather than a volatile property operation. Learn how lenders evaluate net lease deals and what terms to expect in 2026. Get a quote.

DSCR Loans, Guides & Resources, Investment Property Financing

Rental Property Portfolio Loans: One Loan for Multiple Investment Properties

A rental property portfolio loan lets investors finance multiple properties under one loan. See requirements, rates, and how to qualify in 2026. Get a quote.

DSCR Loans, Guides & Resources, Investment Property Financing

Florida DSCR Loan: Financing Investment Properties in FL (2026 Guide)

A Florida DSCR loan lets investors qualify on rental income, not W-2s. Learn requirements, rates, and top markets for 2026. Get a quote in 24 hours.

DSCR Loans, Guides & Resources, Investment Property Financing, Refinancing

How to Refinance a DSCR Loan in 2026: Timing, Prepayment Penalties, and Rate Math

Refinancing a DSCR loan in 2026 involves prepayment penalties, seasoning rules, and LTV limits. Here’s how to run the math before you pull the trigger. Get a quote.

Development & Construction, Guides & Resources

Condo Construction Loans: What Developers Need to Know

Financing a ground-up condo project? Learn how condo construction loans work, what lenders require, and how to structure your exit. Get a quote.

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

Small Balance Commercial Real Estate Loans: Financing Under $5M in 2026

Small balance commercial real estate loans close faster with flexible underwriting for properties under $5M. See 2026 rates and requirements. Get a quote.

Bridge & Mini-Perm, DSCR Loans, Guides & Resources, Investment Property Financing

Bridge to DSCR Loan: Refinancing Out of Hard Money in 2026

A bridge-to-DSCR loan lets investors exit short-term hard money once a property is stabilized. Here’s how the timeline, seasoning rules, and requirements work. Get a quote.

Development & Construction, Guides & Resources

North Carolina Ground-Up Construction Loans: What Developers Need to Know

North Carolina construction loans fund ground-up projects in Raleigh and Charlotte. Requirements, LTC limits, and how lenders underwrite. Get a quote.

Bridge & Mini-Perm, Guides & Resources

Using a Bridge Loan for a 1031 Exchange (2026 Guide)

A 1031 exchange bridge loan lets investors close on a replacement property before the IRS 180-day deadline runs out. Here’s how they work in 2026. Get a quote.

DSCR Loans, Guides & Resources, Investment Property Financing

Texas DSCR Loan: How Real Estate Investors Finance Rental Properties in TX

Texas DSCR loans let investors qualify on rental income, not W-2s. Learn requirements, rates, and which Texas markets work best for DSCR financing in 2026. Get a quote.

DSCR Loans, Guides & Resources, Investment Property Financing

DSCR Loan Calculator: How to Calculate Your Ratio Before You Apply

Want to know if your rental qualifies for a DSCR loan? Here’s the formula, two worked examples, and what lenders actually look for. Get a quote today.

Guides & Resources, Owner-Occupied Commercial, Refinancing, SBA Loans

SBA 504 Refinance: How to Refinance Your Owner-Occupied Commercial Building

SBA 504 refinance lets owner-occupants swap a balloon commercial mortgage for long-term fixed rates. See who qualifies and how to apply. Get a quote.

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

Industrial Property Loans: How to Finance a Warehouse or Light Industrial Building in 2026

Industrial property loans finance warehouses, light manufacturing, and distribution centers. See 2026 rates, loan types, and underwriting requirements. Get a quote.