Commercial real estate loans
Financing for properties that go beyond the residential box. Whether you are buying a small apartment building, a mixed-use property, or a commercial space for your business, VMA Lending connects you with the right lender.
What is commercial real estate financing?
Commercial real estate loans cover properties that do not fit into standard residential lending categories. This includes apartment buildings with five or more units, retail centers, office buildings, warehouses, mixed-use properties, and owner-occupied business spaces. The underwriting process is fundamentally different from residential mortgage lending.
As a mortgage brokerage, VMA Lending works with a network of commercial lenders to place your deal with the right capital source. Different lenders specialize in different property types, deal sizes, and borrower profiles. Our job is to match your deal to the lender most likely to offer competitive terms and actually close.
Why investors choose it
- Financing for multi-family (5+ units), mixed-use, retail, office, and warehouse properties
- Underwriting focuses on the property income and business fundamentals, not just personal finances
- Flexible structures including interest-only periods, balloon terms, and adjustable rates
- VMA Lending brokers your deal through a network of commercial lenders to find the best fit
At a glance
| Property type | Multi-family (5+ units), mixed-use, retail, office, warehouse, and more |
|---|---|
| Income method | Net operating income (NOI), cap rate analysis, and borrower financials |
| Typical structure | 5/25, 7/30, 10-year fixed, or interest-only options |
| Best for | Business owners, portfolio investors, and borrowers scaling beyond residential |
How commercial underwriting works
Commercial lenders evaluate deals differently than residential lenders. The focus is on the property itself: its net operating income (NOI), capitalization rate (cap rate), occupancy history, tenant quality, and market comparables. The lender wants to know whether the property generates enough income to service the debt with a comfortable margin.
Your personal financials still matter. Most commercial lenders review the borrower or guarantor net worth, liquidity, credit history, and real estate experience. But the property numbers drive the decision. Common loan structures include 5-year fixed with a 25-year amortization (5/25), 7/30 structures, 10-year terms, and interest-only periods during stabilization or renovation.
Good fit for
Investors moving from residential into multi-family or commercial properties. Small business owners purchasing a building for their operation. Portfolio holders looking to refinance or consolidate commercial assets. Developers with stabilized projects that need permanent financing.
If your property is a 1 to 4 unit residential rental, a DSCR or conventional investment loan may be a simpler and more cost-effective path. Commercial financing is designed for larger or more complex property types where residential guidelines do not apply.
Abel Medero, NMLS #1010813. VMA Lending, LLC, NMLS #2734596. Licensed mortgage broker, State of Florida. This is not a commitment to lend. All loan programs are subject to borrower and property qualifications. Rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Commercial real estate financing is subject to lender-specific guidelines, property evaluation, and borrower review. Terms vary by property type and deal structure. Equal Housing Opportunity.