Programs
Commercial investment property.
Multifamily, mixed-use, retail, office, industrial and self-storage. Underwritten on the asset and its income, for entity borrowers.
How commercial underwriting differs
Residential lending asks what the borrower earns. Commercial lending asks what the building earns. The centre of the file is net operating income — gross income less operating expenses, before debt service.
From NOI everything else follows: the value via capitalisation rate, the coverage ratio, and ultimately the loan amount. Two buildings with identical square footage can support very different loans depending on what the leases actually say.
The rent roll is the document that matters
Lenders read the rent roll and lease abstracts closely. Remaining term, escalations, renewal options, who pays for what, and tenant concentration all move the decision.
A single tenant occupying most of a building with two years left is a materially different risk from twelve tenants on staggered leases, even at the same NOI.
Property types we place
- Multifamily, five units and above
- Mixed-use with a commercial ground floor
- Retail, including single-tenant net lease
- Office and medical office
- Light industrial, warehouse and flex
- Self-storage
Typical structure
Published market figures, not our rates. Full table and sources on the rates page.
- Max LTV
- 65 – 75%
- Starts at
- Not published
- Typical range
- Not published
- Term
- Not published
- Amortisation
- Not published
- Min DSCR
- Not published
What to send
- Property address and type
- Rent roll
- Trailing 12 months operating statement
- Purchase price or value
- Entity and sponsor experience
Easy Lending USA is not a lender, a bank, or a mortgage broker. We do not make credit decisions or fund loans. All programs are business-purpose loans secured by non-owner-occupied investment real estate and made to business entities.
Related programs
On one to four residential units, DSCR is usually the simpler and cheaper route. For a short-term hold while the asset is stabilised or leased up, see bridge. For new construction rather than an existing building, see ground-up construction.
All seven structures are compared on the programs page, current market pricing with sources is on the rates page, and the FAQ answers how we are paid and what we do not do.