Education articles
Every Finance Lobby article on education, newest first.
What Is Wholesale Commercial Lending? How It Works and Who Uses It
Wholesale commercial lending means lending to businesses and institutions, often through brokers. See who lends and how it affects your deal.
Loan-to-Cost (LTC) Explained: How Construction Lenders Size Your Loan
Loan-to-cost is the loan divided by total project cost. How construction lenders calculate LTC, how it differs from LTV, and a worked example with numbers.
Commercial Mortgage Closing Costs: What You Pay, Who Sets It, and What You Can Negotiate
What you pay to close a commercial mortgage: lender fees, reports, legal and title, rate costs and prepayment, and which ones you can negotiate.
Autoquoting Now Works With Pricing Calculators Behind a Login
Autoquoting can now sign in to a DSCR pricing calculator behind a login. Add the login page and credentials, test the connection, and quote from it.
How to Refinance a Commercial Property Mortgage in 2026: Sizing, Costs and Timeline
How lenders size a commercial refinance, what it costs and how long it takes, with a worked example of the refinance gap and three 2026 deals compared.
Free Commercial Real Estate Comps: See the Whole Comp Set, Not a Blurred Preview
Get free CRE sales and rent comps for any property address. See every comparable in the set, map it, and drop it straight into your deal memo.
Two Lenders Quote 1.25x. One of Them Is Lending You 20 Percent More.
At 1.25x coverage and a 6 percent coupon, interest only supports 20 percent more loan than 30 year amortization. The denominator does the sizing.
Your CRM Is Not Missing Features. It Is Missing Yesterday.
Brokers do not abandon a CRE CRM over features. They abandon it because keeping it current is a second job. What to evaluate instead of the feature list.
How to Compare Commercial Loan Quotes Side by Side (Without Missing the Real Cost)
The lowest rate is often the most expensive quote. Here is how to compare commercial loan terms properly, and what to normalize before you pick a lender.
Automated DSCR Quoting: How Lenders Price Every Matching Deal Without Touching One
Autoquoting connects your DSCR calculator to Finance Lobby, prices every matching deal through your own logic, and posts the quote under your name. You step in when a broker moves.
Running a CRE Loan Pipeline Without Four Different Apps
Most commercial mortgage brokers run their pipeline across a spreadsheet, a drive, an inbox and a chat app. Here is what it looks like when the deal lives in one place.
The CRE Closing Checklist: How to Stop a Deal Going Quiet After the Quote
A quote gets accepted and the deal moves to email. Here is how a shared closing checklist keeps every condition, owner and document in one place through to funding.
Definition of DSCR: How Lenders Read Debt Service Coverage Ratio
What is DSCR and why does it decide your loan? A plain-English breakdown of Debt Service Coverage Ratio, the 1.25x benchmark, and how lenders use it.
Commercial Real Estate Loans With No Down Payment: What's Actually Possible
Can you get a commercial real estate loan with no money down? Here's what's actually possible, the structures lenders accept, and how to qualify.
5 Machine Learning Applications in Commercial Real Estate
How are Machine Learning Applications shaping Commercial Real Estate? See AI's transformative impact on the commercial real estate sector.
What You Should Know About Operating Expense Ratio in Commercial Real Estate
nvestors in commercial real estate who experience a lot of deal flow confront particular difficulties. To swiftly locate the properties that have the best potential for generating a significant return, they must be able to sort through voluminous financial data. They can therefore focus their extensive underwriting efforts on these assets rather than wasting time completing due research on properties with low success rates. Efficiently computing and assessing the property's Operating Expense Ratio, or "OER," is one method used by investors and lenders to accomplish this.
What is FHLMC? A Look at The Federal Home Loan Mortgage Corporation
What is FHLMC? Learn about Freddie Mac's pivotal role in the U.S. commercial real estate and conforming loan markets.
SBA Hotel Loans and Financing Explained
Need financing for hotel projects? SBA hotel loans offer brokers and lenders flexible funding for hospitality development and conversions.
What are Congregate Care Facility Loans?
Curious about congregate care facility loans? Discover how these specialized financing options cater to senior care businesses like independent living, assisted living, and nursing homes.
Commercial Real Estate Loans for Nursing Homes: Financing the Future of Elder Care
Nursing commercial loans for the acquisition, development, or expansion of nursing homes and care facilities.
Understanding Property Statement of Operation
One of the essential records in commercial real estate is the statement of operations, generally known as the "profit & loss" or "P&L" statement. All real estate investors should properly keep this record because it offers a comprehensive picture of a property's financial situation.
Types of Commercial Real Estate Loans in 2023
Everything you need to know about the types of commercial real estate loans brokers, lenders, or investors can use in 2023 and beyond.
How to Analyze Commercial Real Estate Deals
A building with the potential to bring in money through capital gains or rental income is the easiest way to describe commercial real estate. Commercial real estate might range from an office building to a duplex home, a restaurant, or a warehouse.
Net Operating Income in Commercial Real Estate
Find out what net operating income is, how it's calculated, and why it's an important metric for commercial real estate investors.
Understanding Commercial Real Estate Cap Rate
One approach in calculating a pipeline purchase property's capacity to generate revenue is to calculate its commercial real estate cap rate. A property's commercial real estate cap rate provides a window into both risk and profit, assisting investors in forecasting how it will perform compared to other properties in the same market.
CRE Loans: Differences Between the SBA 504 and SBA 7(A)
Trying to figure out which CRE loans are best for your business? Check out this article for a breakdown of the differences between the SBA 504 and SBA 7(A) loans.
The Gross Rent Multiplier: How to Calculate It and Use It
Unsure about which rental property is the best investment? Use the gross rent multiplier to compare properties and make an informed decision.
Using Community Bank Loans for CRE
Community banks hold 30% of all CRE loans. Find out how community bank loans can be an effective way to finance commercial real estate.
What CRE Lenders Should Know About a Ground Lease (4 Tips)
We discuss what a ground lease (or land lease) is, and how it can impact the financing of a project for CRE lenders.
Finance Lobby: Never Chase A Dead-End Deal Again
At Finance Lobby, we pride ourselves on our ability to match lenders with the best deals that meet their criteria. No more dead-end deals!
CRE Loans: Understanding Loan Term vs Amortization
In this article, we'll take a closer look at loan term vs amortization to gain a better understanding of both and, ultimately, CRE mortgages as a whole.
Commercial Real Estate Lending: 5 Time-Saving Perks
In this article, we highlight five unique features that make Finance Lobby the best solution in the commercial real estate lending sector.
Create Leverage by Refinancing Your Commercial Property Mortgage
If you have a commercial property mortgage, there's good news! You may be able to use it as leverage to buy even more CRE properties!
Why Lenders Should Assess The Tenant Health Ratio
Find out why lenders should use the health ratio metric to assess the tenants just like landlords and commercial real estate investors do.