Posts by Patrick McCandless

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

NNN Property Loans: Financing a Triple Net Lease Investment

NNN property loans are underwritten to the tenant, not the building. Learn rates, LTV, and how to get financing for a triple net lease investment. Get a quote.

DSCR Loans, Investment Property Financing

DSCR Loan Seasoning: When Can You Refinance or Cash Out?

DSCR loan seasoning rules determine how soon you can refinance or pull cash out of an investment property. Learn the timelines, exceptions, and your options.

Guides & Resources, Investment Property Financing, Multifamily

Commercial Mortgage Broker vs. Direct Lender: Which Is Right for Your Deal?

Deciding between a commercial mortgage broker and a direct lender? Learn when each adds value, what brokers actually cost, and how to match the right path to your deal. Get a quote.

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

Net Operating Income in Commercial Real Estate: How Lenders Calculate It

Net operating income (NOI) drives every commercial real estate loan. Learn the NOI formula, what lenders include and exclude, and how T-12 vs. proforma NOI affects your loan.

DSCR Loans, Guides & Resources, Investment Property Financing

DSCR Minimum Ratio: What Score Gets You Approved in 2026

The DSCR minimum ratio most lenders require is 1.0, but sub-1.0 programs go as low as 0.75. Learn what score you need and how to qualify. Get a quote.

Guides & Resources, Investment Property Financing

Fix and Flip Loans for LLCs: Finance a Flip in 2026

Fix and flip loans for LLCs let investors close in an entity, protect personal credit, and scale. Here’s what lenders require and how to qualify. Get a quote.

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

Cap Rate in Commercial Real Estate: What It Is and How Lenders Use It

A cap rate measures an income property’s return on investment. Here’s how the formula works and how lenders use it in commercial real estate. Learn more.

Guides & Resources, Owner-Occupied Commercial, SBA Loans

SBA Loans for Medical Offices: Buying Your Practice Space in 2026

An SBA loan for a medical office lets your practice buy real estate with as little as 10% down. Compare SBA 504 vs. 7(a) for healthcare. Get a quote.

DSCR Loans, Guides & Resources, Investment Property Financing

Tennessee Investment Property Loans: A 2026 Guide for Sunbelt Investors

Tennessee investment property loans: DSCR, bridge, portfolio, and multifamily options. Rates, requirements, and top markets for investors in 2026. Get a quote.

DSCR Loans, Guides & Resources, Investment Property Financing

Single-Family Rental Portfolio Loans: Financing 5–30 Properties With One Lender

A single-family rental portfolio loan lets you finance multiple investment properties under one loan — no more juggling individual mortgages. Learn requirements, rates, and how to qualify in 2026.

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

Georgia Commercial Real Estate Loans: Programs, Rates, and How to Qualify in 2026

Georgia commercial real estate loan programs compared: rates, LTV limits, DSCR requirements, and how to qualify in Atlanta, Savannah, and Georgia’s top markets. Get a quote.

DSCR Loans, Guides & Resources, Investment Property Financing

New Construction DSCR Loans: How to Qualify in 2026

Finance a new construction rental with a DSCR loan before it seasons. Lenders use projected market rent — no lease history needed. See if you qualify.

Development & Construction, Guides & Resources

Ground-Up Construction Loans Without Developer Experience

No ground-up construction experience? Your GC’s track record may qualify you for financing. Learn how lenders evaluate first-time developers. Get a quote.

Development & Construction, Guides & Resources

Build-to-Rent Financing: How Developers Fund Single-Family Rental Communities

Build-to-rent financing spans the full development lifecycle from construction to permanent DSCR debt. Here’s how developers fund BTR communities. Get a quote.

News

Tennessee DSCR Loan: Financing Nashville and Memphis Investment Properties

By Patrick McCandless · Published August 31, 2026 · Reviewed August 31, 2026 Tennessee has become one of the more interesting DSCR loan markets…
News

Debt Service Coverage Ratio Explained: How Lenders Calculate DSCR on Commercial Loans

By Patrick McCandless · Published August 31, 2026 · Reviewed August 31, 2026 Debt service coverage ratio — DSCR — is the first number…
Development & Construction, Guides & Resources

South Carolina Construction Loans: Ground-Up Financing in Charleston and Myrtle Beach

South Carolina construction loans fund spec homes, townhomes, and subdivisions statewide. Learn LTC limits, draw schedules, and requirements. Get a quote in 24 hours.

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

CMBS Loans in 2026: Requirements, Structure, and When They Make Sense

CMBS loan requirements include a 1.25x minimum DSCR, 75% LTV, and stabilized income-producing property. Learn how CMBS loans work and when they make sense. Get a quote.

Bridge & Mini-Perm, Guides & Resources

Foreign National Bridge Loan: Financing for Non-US Investors

A foreign national bridge loan lets non-US investors buy US real estate fast — no SSN or US credit required. Learn what terms to expect. Get a quote.

Guides & Resources, Market Updates

Commercial Real Estate Loan Rates: August 2026 Snapshot

Commercial real estate rates in August 2026: agency multifamily from 5.68%, CMBS from 6.66%, DSCR from 6.12%, bridge from 9%. See current benchmarks.